Bill > SB551

This bill prohibits insurance companies from taking certain adverse actions against private passenger motor vehicle insurance policyholders who have been involved in collisions with free-roaming wild animals. Specifically, insurers are not allowed to increase premiums, add surcharges, or remove, alter, or refuse to consider discounts for claims arising from such accidents, provided that the insured driver was not at fault for the loss. The bill builds upon existing protections that already prevent insurers from canceling or refusing to renew coverage when an insured has two or fewer not-at-fault claims within a three-year period. The purpose of the legislation appears to be protecting drivers from potential insurance penalties when they are involved in unavoidable wildlife-related accidents. The bill is set to take effect on October 1, 2025, giving insurance companies time to adjust their policies and practices to comply with the new requirements.

Budget and Finance

https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/SB0551?ys=2025RS