Chapter 10 Homeowner's Insurance and Private Passenger Motor Vehicle Insurance - Standards for Cancellation and Nonrenewal

What this document is

Code of Maryland Regulations (COMAR) 31.15.10 - Chapter 10 Homeowner's Insurance and Private Passenger Motor Vehicle Insurance - Standards for Cancellation and Nonrenewal is a regulation published by Maryland Division of State Documents (dsd.maryland.gov), Code of Maryland Regulations. It is one of the Maryland documents that insurance license exam questions are written from, including maryland property & casualty, maryland personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• COMAR 31.15.10.03B(1) (Determining Number of Claims; Presumption)

  “claims under the following types of coverage shall be presumed to be not-at-fault: (a) Uninsured motorist coverage; and (b) Comprehensive coverage.”

• COMAR 31.15.10.03C(2) (Settlement Payment as Evidence of Fault)

  “Payment of a settlement by an insurer for an accident is evidence of the insured's fault for the accident, but is not conclusive proof of fault.”

• COMAR 31.15.10.02D(3) (Homeowner's Insurance; Repair Notice Lead Time)

  “(3) An insurer may not consider a weather-related claim for the purpose of canceling, or refusing to renew, coverage due to the insured's failure to make repairs or replacement after mailing of a repair notice unless the repair notice was mailed at least 60 days before the weather-related event...”

• COMAR 31.15.10.03B(1) (Determining number of claims; presumed not at fault)

  “(1) For the purpose of determining the number of not-at-fault claims under Insurance Article, §27-501(k), Annotated Code of Maryland, claims under the following types of coverage shall be presumed to be not-at-fault: (a) Uninsured motorist coverage; and (b) Comprehensive coverage.”

• COMAR 31.15.10.02B (Weather-related claims; presumption)

  “A claim is presumed to be a weather-related claim if the loss was caused by snow, rain, sleet, hail, lightning, freezing, thawing, change in barometric pressure, or a similar condition.”

• COMAR 31.15.10.02C(2) (Weather-related claims; remediation)

  “(2) For purposes of cancellation of, or refusal to renew, coverage based on weather-related claims pursuant to Insurance Article, §27-501(i)(1), Annotated Code of Maryland, an insurer may consider a weather-related claim notwithstanding any remediation by the insured that may prevent a similar...”

• COMAR 31.15.10.07 (Umbrella Coverage)

  “COMAR 31.15.10.07 Umbrella Coverage. Insurance Article, §27-501, Annotated Code of Maryland, or this chapter does not allow an insurer to cancel or refuse to renew personal umbrella or personal excess coverage without meeting the business purposes standard.”

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Questions about this source

More Maryland sources

• Md. Code, Insurance s. 10-104 - License required; insurance producerState statute
• Md. Code, Insurance s. 10-126 - Grounds for denial, suspension, or revocation of licenseState statute
• Md. Code, Insurance s. 27-208 - Unfair discrimination between individuals of the same class in life rates, dividends and benefitsState statute
• Md. Code, Insurance s. 27-209 - Prohibited inducements and rebates not specified in the contractState statute
• Md. Code, Insurance s. 27-216 - Rebating and inducements; willful collection of excess premiumState statute
• Md. Code, Insurance s. 27-405 - Fraudulent insurance act: acting without a licence or certificationState statute
• Maryland Insurance Article Title 10 - Insurance Producers and Other Insurance Professionals (103 sections)State statute
• Maryland Insurance Article Title 15 - Health Insurance, first half (Secs. 15-101 through 15-815)State statute