Maryland Statutes
Insurance
Title 11 - Insurance Rating Law

Section 11-101 - Definitions - (a) In this title the following words have the meanings...

Section 11-201 - Purposes, Intent, and Interpretation of Subtitle - (a) The purposes of this subtitle are: (1) to promote...

Section 11-202 - Scope of Subtitle - (a) (1) This subtitle applies to all types of insurers....

Part II - Rate Making -- in General

Section 11-205 - Rate Making Principles Generally - (a) All rates shall be made in accordance with the...

Section 11-206 - Rate Filings - (a) (1) Except as otherwise provided in this section, each...

Section 11-207 - Suspension or Modification of Filing Requirements - (a) (1) By written order, the Commissioner may suspend or...

Section 11-208 - Disapproval of Rates - (a) Unless the filer demonstrates that a proposed rate is...

Section 11-209 - Reduction of Approved Rates - (a) (1) Notwithstanding any other provision of this subtitle, an...

Section 11-210 - Excess Rate for Specific Risk - On written application of the insured that states its reasons...

Section 11-211 - Information to Insureds - (a) Within a reasonable time after a filer receives a...

Section 11-212 - Review of Application of Rating System - (a) Each filer shall provide reasonable means within the State...

Section 11-213 - Special Rate Making Principles - (a) All homeowner’s insurance rates shall be made in accordance...

Part III - Rate Making -- Automobile Insurance

Section 11-214 - Statement of Rate Classifications - (a) Each insurer that provides a private passenger automobile insurance...

Section 11-215 - Special Rate Making Principles - (a) All automobile insurance rates shall be made in accordance...

Section 11-216 - Use of Territory as a Rate Determining Factor - An insurer that uses territory as a factor in establishing...

Part IV - Rating Organizations and Similar Organizations

Section 11-218 - Rating Organizations - (a) (1) Any person, whether located within or outside the...

Section 11-219 - Deviations From Rating Organization Rates - (a) An insurer may deviate from the rates filed by...

Section 11-220 - Appeal by Member or Subscriber - (a) (1) A member of or subscriber to a rating...

Section 11-221 - Advisory Organizations - (a) Each advisory organization shall file with the Commissioner: (1)...

Section 11-222 - Groups Engaged in Joint Underwriting or Joint Reinsurance - (a) Each group, association, or other organization of insurers that...

Part V - Administrative Provisions

Section 11-225 - Examinations of Rating Organizations and Other Entities - (a) (1) At least once every 5 years, the Commissioner...

Section 11-226 - Rate Administration - (a) (1) (i) So that the experience of all insurers...

Section 11-227 - Regulations - The Commissioner may adopt reasonable rules and regulations necessary to...

Part VI - Prohibited Acts; Penalties

Section 11-230 - Prohibited Policies; Commissions Authorized - (a) An insurer or officer, insurance producer, or representative of...

Section 11-231 - False or Misleading Information - A person may not willfully withhold information from or knowingly...

Section 11-232 - Penalties - (a) (1) If the Commissioner finds that a person has...

Subtitle 3 - Competitive Rating

Part I - Definitions; General Provisions

Section 11-301 - Definitions - (a) In this subtitle the following words have the meanings...

Section 11-302 - Purposes and Construction of Subtitle - (a) The purposes of this subtitle are: (1) to protect...

Section 11-303 - Scope of Subtitle - (a) Notwithstanding Subtitle 2 of this title, this subtitle applies...

Part II - Rate Making -- in General

Section 11-306 - Rate Making Principles Generally - (a) The standards set forth in this section apply to...

Section 11-307 - Rate Filings - (a) (1) Except as otherwise provided in this subsection, each...

Section 11-308 - Improper Rates - (a) (1) If, after a hearing, the Commissioner finds that...

Section 11-309 - Waiting Period for Rates of Particular Insurer - (a) If, after a hearing, the Commissioner finds that the...

Section 11-310 - Waiting Period for Changes in Rates - (a) (1) The Commissioner may adopt a rule that requires...

Section 11-311 - Excess Rate for Specific Risk - On written application of an insurer that states its reasons...

Section 11-312 - Supporting Data - (a) (1) The Commissioner may require the filing of supporting...

Section 11-313 - Notice to Insureds of Noncompetitive Market - For a kind or line of insurance as to which...

Section 11-314 - Review of Application of Rating System - (a) Each rating organization and each insurer subject to this...

Section 11-315 - Special Rate Making Principles - (a) All homeowner’s insurance rates shall be made in accordance...

Part III - Rate Making -- Automobile Insurance Generally

Section 11-317 - Statement of Rate Classifications - (a) In this section, “increase in a policy premium” includes...

Section 11-318 - Special Rate Making Principles - (a) All automobile insurance rates shall be made in accordance...

Section 11-319 - Use of Territory as a Rate Determining Factor - An insurer that uses territory as a factor in establishing...

Part IV - Rate Making -- Geographic Distribution of Private Passenger Premium

Section 11-321 - Definitions - (a) In Part IV of this subtitle the following words...

Section 11-322 - Scope of Part - (a) Part IV of this subtitle applies to each authorized...

Section 11-323 - Data About Geographic Distribution of Private Passenger Premium - (a) On or before July 1 of each year, each...

Section 11-324 - Designation as Major Insurer - On or before August 15 of each year, the Commissioner...

Section 11-325 - Marketing Plan by Major Insurers - (a) On or before October 1 of each year, each...

Section 11-326 - Confidentiality of Information - (a) Notwithstanding any other provision of law, any data, documents,...

Part V - Rate Making -- Workers' Compensation Insurance

Section 11-329 - Workers' Compensation Insurers - (a) Each workers’ compensation insurer shall: (1) be a member...

Section 11-330 - Workers' Compensation Rate Filings - (a) In this section, “provision for claim payment” means an...

Section 11-331 - Reports - // EFFECTIVE UNTIL SEPTEMBER 30, 2023 PER CHAPTER 36 OF...

Section 11-332 - Single Classification Code for Governmental Occupations Not Included in Police, Firefighter, and Clerical Classifications. - ** TAKES EFFECT JANUARY 1, 2022 PER CHAPTER 36 OF...

Part VI - Rating Organizations and Similar Organizations

Section 11-333 - Rating Organizations; Advisory Organizations - (a) A rating organization may not provide a service that...

Section 11-334 - Cooperation Among Rating Organizations and Insurers - (a) Cooperation among rating organizations or among rating organizations and...

Part VII - Administrative Provisions

Section 11-337 - Rate Administration - (a) (1) Each insurer shall file with the Commissioner, and...

Part VIII - Prohibited Acts; Penalties

Section 11-341 - Prohibited Contracts and Policies - An insurer may not make or issue an insurance contract...

Section 11-342 - Reduction of Competition Prohibited - (a) In this section, “insurer” includes two or more affiliated...

Section 11-343 - False or Misleading Information - (a) A person may not willfully withhold information from or...

Section 11-344 - Penalties - (a) If, after notice and a hearing, the Commissioner finds...

Subtitle 4 - Title Insurance Rating

Section 11-401 - Scope of Subtitle - (a) This subtitle applies to all kinds and classes of...

Section 11-402 - Rate Making Principles Generally - (a) All title insurance rates shall be made in accordance...

Section 11-403 - Rate Filings - (a) (1) Except as otherwise provided in this subsection, each...

Section 11-404 - Approval or Disapproval of Filings - (a) (1) Unless the Commissioner finds that a filing does...

Section 11-405 - Financial Data and Other Information - (a) The Commissioner shall require that each title insurer subject...

Section 11-406 - Exchange of Information and Experience Data - To further more equitable establishment and adjustment of rates and...

Section 11-407 - Prohibited Contracts, Policies, and Guarantees of Insurance; Commissions Authorized - (a) A title insurer may not make or issue a...

Section 11-408 - False or Misleading Information - A person may not knowingly give false or misleading information...

Section 11-409 - Penalties - (a) (1) If the Commissioner finds that a person has...

Subtitle 5 - Hearings and Appeals

Section 11-501 - Scope of Subtitle; Exception - (a) (1) This subtitle governs hearings, orders, and appeals in...

Section 11-502 - Hearing Before Commissioner - (a) Within 30 days after notice of an order or...

Section 11-503 - Judicial Review - (a) An order or decision of the Commissioner under this...

Subtitle 6 - Health Benefit Plan Premium Rate Review

Section 11-601 - Definitions - (a) In this subtitle the following words have the meanings...

Section 11-602 - Applicability of Subtitle - This subtitle applies to a carrier that issues or delivers...

Section 11-603 - In General - (a) A carrier subject to this subtitle may not charge...

Section 11-604 - Notice to Insureds - A carrier shall provide notice annually to its insureds and...

Subtitle 7 - Long-Term Care Insurance Premium Rate Review

Section 11-701 - Definitions - (a) In this subtitle the following words have the meanings...

Section 11-702 - Information to Be Posted on Web Site - The Commissioner shall provide information on the Administration’s Web site...

Section 11-703 - Commissioner to Approve Rates - (a) A carrier may not charge a premium to an...

Section 11-704 - One-Time Written Notice of Availability of Information on Rate Increases - (a) A carrier shall provide a one–time written notice to...

Subtitle 8 - Travel Insurance Premium Rating Review

Section 11-801 - Travel Insurance - (a) In this section, “travel insurance” has the meaning stated...

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Maryland Statutes Insurance Title 11 - Insurance Rating Law

Maryland Statutes
Insurance
Title 11 - Insurance Rating Law