Bill > HB148

This bill amends Maryland insurance law to prohibit private passenger motor vehicle insurance companies from increasing insurance premiums based on an insured driver's claims history when the driver has filed two or fewer claims in the preceding three-year period that were not the driver's fault. Specifically, the legislation prevents insurers from raising rates for drivers who have been involved in a small number of accidents where they were not responsible for the loss. The bill will go into effect on October 1, 2025, providing consumer protection by ensuring that drivers are not penalized financially for minor, non-fault accidents. This legislation aims to shield drivers from potential premium increases that could result from isolated incidents that are not the result of their own driving behavior, potentially offering financial relief and fairness in auto insurance pricing.

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https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/HB0148?ys=2025RS