Motor Vehicle Insurance and Workers' Compensation Insurance: required coverages, cancellation and nonrenewal, uninsured motorist coverage, Maryland Automobile Insurance Fund

What this document is

Maryland Insurance Article Title 19 - Motor Vehicle Insurance and Workers' Compensation Insurance: required coverages, cancellation and nonrenewal, uninsured motorist coverage, Maryland Automobile Insurance Fund is a state statute published by Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov). 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.

• Md. Code Ann., Ins. § 19-506(b)(1) (Waiver Reaches All Benefits, Any Policy)

  “A waiver made under this section constitutes a waiver of all the benefits described in § 19-505 of this subtitle, whether provided under: (i) the first named insured’s policy; (ii) any other motor vehicle liability insurance policy issued in the State; or”

• Md. Code Ann., Ins. § 19-507(d) (No Subrogation for Personal Injury Protection Benefits)

  “An insurer that provides the benefits described in § 19–505 of this subtitle does not have a right of subrogation and does not have a claim against any other person or insurer to recover any benefits paid because of the alleged fault of the other person in causing or contributing to a motor vehicle accident.”

• Md. Code Ann., Ins. § 19-509(i) (Uninsured Motorist Coverage and Insolvent Liability Insurer)

  “An endorsement or provision that protects the insured against damages caused by an uninsured motor vehicle that is contained in a policy issued and delivered in the State is deemed to cover damages caused by a motor vehicle insured by a liability insurer that is insolvent or otherwise unable to pay...”

• Md. Code Ann., Ins. § 19-511(e)(1) (Uninsured Motorist Insurer Payment Preserves Subrogation)

  “Payment as described in subsection (d) of this section shall preserve the uninsured motorist insurer’s subrogation rights against the liability insurer and its insured.”

• Md. Code Ann., Ins. § 19-512(b)(4) (Rental Car Collision; No Denial for Uninsured or Unidentified Vehicle)

  “An insurer may not deny coverage to an insured for collision damage to a rental passenger car because: (i) the motor vehicle accident involved an uninsured motorist; or (ii) the identity of the motor vehicle causing the damage cannot be ascertained.”

• Md. Code Ann., Ins. § 19-402(b)(3) (Employer Notice or Knowledge Imputed to Insurer)

  “as between the employee and the insurer, if the employer receives notice or has knowledge of the occurrence of an accidental injury, occupational disease, hernia, or hearing loss, the insurer is deemed also to have received the notice or have the knowledge;”

• Md. Code Ann., Ins. § 19-404(b) (Deductibles; Insurer Pays and Employer Reimburses)

  “When a claim is payable under a workers’ compensation insurance policy with deductibles: (1) the insurer shall pay the claim including any applicable deductible; and (2) the employer shall reimburse the insurer for any amount paid up to the limit of any applicable deductible.”

• Md. Code Ann., Ins. § 19-110 (Disclaimer for Lack of Cooperation or Notice Requires Actual Prejudice)

  “An insurer may disclaim coverage on a liability insurance policy on the ground that the insured or a person claiming the benefits of the policy through the insured has breached the policy by failing to cooperate with the insurer or by not giving the insurer required notice only if the insurer...”

• Md. Code Ann., Ins. § 19-102(b)(2) (Injured Person May Sue Insurer After Unsatisfied Judgment)

  “if an injured person or another person claiming by, through, or under the injured person is unable, after execution on a final judgment entered in an action against an insured, to recover the full amount of the final judgment, the person may bring an action against the insured’s insurer in...”

• Md. Code Ann., Ins. § 19-116(i)(1) (Certificate of Insurance Is Not a Policy)

  “A certificate of insurance is not a policy of insurance and does not amend, alter, or extend the coverage provided by the policy of insurance referenced in the certificate.”

• Md. Code Ann., Ins. § 19-202(a) (Water Backup Coverage Must Be Offered)

  “An insurer that issues, sells, or delivers a homeowner’s insurance policy shall at time of application and renewal offer in writing to provide coverage for loss that: (1) is caused by or results from water that backs up through sewers or drains; and (2) is not caused by the negligence of the insured.”

• Md. Code Ann., Ins. § 19-215(a) (Annual Notice of Anti-Concurrent Causation Clause)

  “shall provide a policyholder each year with a notice that: (1) is clear and specific; (2) describes the ACC clause; (3) informs the insured to read the policy for complete information on the exclusions; and (4) states that the insured should communicate with the insurance producer or the insurer...”

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