Md. Code, Insurance § 20-508
This is the official text of Md. Code, Insurance § 20-508, 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.
§20–508.
Official statutory text
(a) A policyholder is entitled to continuation of coverage from the Fund at rates that are reasonably comparable to those charged by standard insurers and approved by the Commissioner if, for 3 continuous years of coverage under a policy issued by the Fund, the policyholder has not:
(1) been charged with a moving traffic violation;
(2) had a chargeable traffic accident; and
(3) been assessed more than one point by the Motor Vehicle Administration.
(b) A policyholder who meets the requirements of subsection (a) of this section is not entitled to a safe driver credit as defined in the rules and rate schedules of the Fund filed with the Commissioner.
(c) In determining eligibility for rates that are reasonably comparable to those charged by standard insurers, the Fund may not consider:
(1) a lapse in coverage of 30 days or less; and
(2) the addition of a driver to the policy who has certified in a manner approved by the Fund for the immediately preceding 3 continuous years that the driver has not had a moving traffic violation, has not been assessed more than one point, and has not had a chargeable traffic accident.
(1) been charged with a moving traffic violation;
(2) had a chargeable traffic accident; and
(3) been assessed more than one point by the Motor Vehicle Administration.
(b) A policyholder who meets the requirements of subsection (a) of this section is not entitled to a safe driver credit as defined in the rules and rate schedules of the Fund filed with the Commissioner.
(c) In determining eligibility for rates that are reasonably comparable to those charged by standard insurers, the Fund may not consider:
(1) a lapse in coverage of 30 days or less; and
(2) the addition of a driver to the policy who has certified in a manner approved by the Fund for the immediately preceding 3 continuous years that the driver has not had a moving traffic violation, has not been assessed more than one point, and has not had a chargeable traffic accident.
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.