MD HB148

Prohibits auto insurers from increasing premiums on private passenger motor vehicle policies based on an insured's claims history when two or fewer claims in the preceding 3-year period were for accidents where the insured was not at fault

Expands existing Maryland law that already prevents insurers from canceling or refusing to renew coverage under the same not-at-fault claims circumstances

Amends Section 27-501(k) of the Maryland Insurance Article

Effective date: October 1, 2025