MD SB304

Prohibits private passenger motor vehicle insurers from increasing premiums, adding surcharges, or removing/altering/refusing discounts based on collisions with free-roaming wild animals when the insured was not at fault

Amends existing Maryland Insurance Code Section 27-501(k), which already prohibits cancellation or non-renewal based on two or fewer not-at-fault claims within a 3-year period

Applies specifically to private passenger motor vehicle insurance policies

Effective date: October 1, 2026