MD

Maryland Insurance Regulations

Consumer rights and insurance laws in Maryland

Overview

Maryland Insurance Administration regulates insurers and protects consumers. Maryland is one of the few remaining contributory negligence jurisdictions, making it especially important for claimants to build strong, evidence-based cases.

Key Insurance Regulations in Maryland

  • Contributory negligence — even 1% fault bars recovery
  • 3-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 30/60/15 minimum liability with uninsured motorist coverage

Filing an Insurance Complaint in Maryland

If you believe your insurance company has acted unfairly or violated Maryland insurance laws, you can file a complaint with the Maryland Insurance Administration. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Maryland Insurance Administration typically responds to complaints within 30 days.

Maryland Insurance Administration

Insurance Commissioner: Kathleen A. Birrane

Phone: (410) 468-2000

Website: https://insurance.maryland.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Maryland

Yes, against the at-fault driver's insurer. Maryland courts allow an owner to recover the cost of repairs plus the loss in market value that remains after repairs, as long as the two together do not exceed the car's total drop in value (Fred Frederick Motors v. Krause, 1971). You have three years to sue (Md. Code, Cts. & Jud. Proc. § 5-101). Maryland keeps contributory negligence, so being even slightly at fault can bar your claim.

Read the Maryland diminished value guide

Insurance Claim Guides for Maryland

Browse our detailed insurance claim guides tailored specifically to Maryland laws and regulations.

Auto Insurance Claims in MarylandHome Insurance Claims in MarylandHealth Insurance Appeals in MarylandInsurance Denial Letter Templates in MarylandDemand Letter Guide in MarylandInsurance Settlement Calculator Guide in MarylandDiminished Value Claims in MarylandTotal Loss Dispute Guide in MarylandBad Faith Insurance Claims in MarylandUnderinsured Motorist Claims in MarylandUninsured Motorist Claims in MarylandRental Car Insurance Coverage in MarylandGAP Insurance Claims in MarylandInsurance Subrogation Explained in MarylandPIP (Personal Injury Protection) Guide in MarylandBodily Injury Claims in MarylandProperty Damage Claims in MarylandLiability Claim Process in MarylandComprehensive Insurance Claims in MarylandCollision Insurance Claims in MarylandFlood Insurance Claims in MarylandFire Insurance Claims in MarylandTheft Insurance Claims in MarylandVandalism Insurance Claims in MarylandAuto Glass Insurance Claims in MarylandHail Damage Insurance Claims in MarylandWind Damage Insurance Claims in MarylandWater Damage Insurance Claims in MarylandMold Insurance Claims in MarylandRoof Damage Insurance Claims in MarylandFoundation Damage Claims in MarylandSinkhole Insurance Claims in MarylandEarthquake Insurance Guide in MarylandHurricane Insurance Claims in MarylandTornado Damage Insurance Claims in MarylandLightning Damage Insurance Claims in MarylandTree Damage Insurance Claims in MarylandFence Damage Insurance Claims in MarylandAppliance Breakdown Claims in MarylandIdentity Theft Insurance Claims in MarylandCyber Insurance Claims in MarylandPet Insurance Claims in MarylandTravel Insurance Claims in MarylandLife Insurance Disputes in MarylandDisability Insurance Claims in MarylandWorkers' Compensation Claims in MarylandLong-Term Care Insurance Claims in MarylandDental Insurance Appeals in MarylandVision Insurance Claims in MarylandPrescription Drug Appeals in MarylandAccident Scene Documentation in MarylandInsurance Adjuster Tactics in MarylandDiminished Value Calculator Guide in MarylandTotal Loss Vehicle Valuation in MarylandCCC Valuation Report Explained in MarylandPain and Suffering Calculation in MarylandMedical Bills in Auto Claims in MarylandLost Wages Insurance Claims in MarylandFiling a Bad Faith Insurance Lawsuit in MarylandWhen to Hire a Car Accident Lawyer in MarylandInsurance Claim Timeline Guide in MarylandIndependent Vehicle Appraisal Guide in MarylandAppraisal Clause in Auto Insurance in MarylandDiminished Value by State in MarylandTotal Loss Threshold by State in MarylandRental Car After an Accident in MarylandYour Rights During Car Repairs in MarylandOEM Parts in Insurance Claims in MarylandInsurance Negotiation Tactics in MarylandDemand Package for Auto Claims in MarylandCommon Insurance Claim Denial Reasons in MarylandStatute of Limitations for Auto Claims in MarylandFiling Claims in No-Fault States in MarylandAt-Fault Accident Claims in MarylandComparative Negligence in Claims in MarylandUninsured Motorist Property Damage in MarylandHit and Run Insurance Claims in MarylandParking Lot Accident Claims in MarylandRideshare Accident Insurance Claims in MarylandCommercial Vehicle Accident Claims in MarylandDeer Collision Insurance Claims in MarylandFlood Car Damage Claims in MarylandCatalytic Converter Theft Claims in MarylandCar Break-In Insurance Claims in MarylandTire Blowout Accident Claims in MarylandPothole Damage Insurance Claims in MarylandHail Damage Car Claims in MarylandHow to Review Your Auto Insurance Policy in MarylandAuto Insurance Coverage Gaps in MarylandMulti-Vehicle Accident Claims in MarylandDisputing Fault Determination in MarylandFiling an Insurance Commissioner Complaint in MarylandNegotiating Diminished Value Claims in MarylandFighting a Total Loss Declaration in MarylandBodily Injury Settlement Guide in MarylandInsurance Fraud Prevention Guide in MarylandSubstandard Auto Repair Claims in MarylandTotal Loss Buy-Back Process in MarylandInsurance Claims After a DUI in MarylandCommercial Auto Insurance Claims in MarylandStorage Unit Insurance Claims in Maryland

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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