Collisions With Wild Animals - Prohibited Actions by Insurer

SB 304 prevents Maryland auto insurers from raising premiums, adding fees, or removing discounts for private vehicle insurance when a driver has an accident with a free-roaming wild animal (like a deer) and wasn't at fault. It directly affects car insurance policyholders who experience such unavoidable collisions. The law specifically prohibits insurers from using these accident types as a reason to penalize customers through price increases or loss of discounts. The rule takes effect October 1, 2026.