Bill > SB984

This bill addresses regulations surrounding telematics programs in private passenger motor vehicle insurance in Maryland. The bill requires insurance companies to disclose to applicants and policyholders when they use programs that measure vehicle operation, and mandates that insurers establish an appeals process for policyholders to challenge data they believe is incorrect. Insurers are prohibited from requiring participation in such programs as a condition of underwriting, and they cannot use data collected through these programs to cancel, refuse to renew, or refuse to underwrite an insurance policy. The bill also requires the Maryland Insurance Administration to develop regulations that limit the types and amount of data that can be collected through these programs, and mandates that insurers create governance plans to ensure the programs do not collect or process data in a discriminatory or unfair manner. Additionally, insurers must periodically report to the administration about their program monitoring and any corrective actions taken. The bill aims to protect consumers by providing transparency and preventing potential misuse of driving data by insurance companies. The regulations will be adopted by July 1, 2026, and the bill will take effect on October 1, 2025.

Budget and Finance, Business and Industry

https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/SB0984?ys=2025RS