Private Passenger Motor Vehicle Insurance - Collisions With Wild Animals - Prohibited Actions by Insurers

SB 551 prohibits Maryland insurers from raising premiums, adding surcharges, or removing discounts for private passenger auto insurance policies after collisions with free-roaming wild animals when the driver was not at fault. It directly affects car insurance policyholders in Maryland who experience such non-fault accidents. The key provision amends insurance law to block insurers from treating these incidents differently than other non-fault claims. This ensures drivers cannot be penalized financially for unavoidable encounters with wildlife like deer or coyotes. The law takes effect October 1, 2025.