Md. Code, Insurance § 13-113
This is the official text of Md. Code, Insurance § 13-113, part of Maryland’s Code, Insurance — regulates insurance companies and the policies they sell.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
§13–113.
Official statutory text
(a) (1) A claimant shall report a claim promptly to the insurer or its designated claim representative.
(2) The insurer shall maintain adequate claim files.
(3) The insurer shall settle a claim as soon as possible and in accordance with the terms of the insurance contract.
(b) The insurer shall pay a claim by a draft drawn on the insurer or by a check of the insurer to the order of:
(1) the claimant to whom payment of the claim is due under the policy; or
(2) a person to whom the claimant directs payment be made.
(c) (1) A plan or arrangement may not be used if it authorizes a person other than the insurer or its designated claim representative to settle or adjust claims.
(2) The creditor may not be designated as the claim representative of the insurer to adjust a claim.
(3) Notwithstanding paragraph (2) of this subsection, by arrangement with the group insurer, a group policyholder may draw a draft or check in payment of a claim due to the group policyholder subject to audit and review by the group insurer.
(2) The insurer shall maintain adequate claim files.
(3) The insurer shall settle a claim as soon as possible and in accordance with the terms of the insurance contract.
(b) The insurer shall pay a claim by a draft drawn on the insurer or by a check of the insurer to the order of:
(1) the claimant to whom payment of the claim is due under the policy; or
(2) a person to whom the claimant directs payment be made.
(c) (1) A plan or arrangement may not be used if it authorizes a person other than the insurer or its designated claim representative to settle or adjust claims.
(2) The creditor may not be designated as the claim representative of the insurer to adjust a claim.
(3) Notwithstanding paragraph (2) of this subsection, by arrangement with the group insurer, a group policyholder may draw a draft or check in payment of a claim due to the group policyholder subject to audit and review by the group insurer.
Status: in_force · Read it on the official government site
Need a lawyer in Maryland?
Find a Maryland lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.