Contact the Maryland Insurance Administration at:
200 St. Paul Place, Suite 2700
Baltimore, Maryland 21202
410-468-2000 | 800-492-6116 | 800-735-2258 TTY
https://insurance.maryland.gov/Consumer/Pages/FileAComplaint.aspx
ABOUT THE MARYLAND INSURANCE ADMINISTRATION
The Maryland Insurance Administration (MIA) is the state agency that
regulates the business of insurance in Maryland. If you feel that your insurer
or insurance producer acted improperly, you have the right to file a
complaint. The MIA can investigate complaints that an insurer or insurance
producer has:
Denied or delayed payment of all portions of a claim
Improperly terminated your insurance policy
Raised your insurance premiums without proper notice or in
excess of what the law allows
Made false statements to you in connection with the sale of
insurance or the processing of insurance claims
Overcharged you for services, including premium finance charges
This consumer guide should be used for educational purposes only. It is not intended to provide legal advice or opinions regarding coverage under a specific
insurance policy or contract; nor should it be construed as an endorsement of any product, service, person, or organization mentioned in this guide. Please
note that policy terms vary based on the particular insurer and you should contact your insurer or insurance producer (agent or broker) for more information.
This publication has been produced by the Maryland Insurance Administration (MIA) to provide consumers with general information about insurance-related
issues and/or state programs and services. This publication may contain copyrighted material which was used with permission of the copyright owner.
Publication herein does not authorize any use or appropriation of such copyrighted material without consent of the owner. All publications issued by the MIA
are available free of charge on the MIA's website or by request. The publication may be reproduced in its entirety without further permission of the MIA
provided the text and format are not altered or amended in any way, and no fee is assessed for the publication or duplication thereof. The MIA's name and
contact information must remain clearly visible, and no other name, including that of the insurer or insurance producer reproducing the publication, may
appear anywhere in the reproduction. Partial reproductions are not permitted without the prior written consent of the MIA. Persons with disabilities may
request this document in an alternative format. Requests should be submitted in writing to the Director of Communications at the address listed above.
CONTINUED
Consider whether you want to maintain comprehensive and/or collision coverage. If your
vehicle is older and has been paid off, you may want to consider dropping these coverages
to reduce your premium. However, if you drop these coverages and your vehicle is
damaged in an accident that you cause, or if it is stolen, vandalized or you collide with an
animal, you must pay for the repair.
Review your deductible. The deductible is the amount you agree to pay in the event your
vehicle is damaged. Raising the deductible on your policy generally will decrease your
premium. If you select a high
deductible, you will pay more
money out of pocket for any
damage; however, your
insurance premium generally
will be lower.