Title 10. Regulation of Insurance Professions — Subtitle 5. Vehicle Damage Adjusters and Appraisers
Statutes in effect as of October 1, 2026.
Md. Code Ann., Ins. § 10-501 (2026)
Title 10. Regulation of Insurance Professions
Subtitle 5. Vehicle Damage Adjusters and Appraisers
§ 10–501LinkCopy Citation
In this subtitle, “adjuster” or “appraiser” means a person that:
(1)
is employed by an insurer as, solicits business as, or represents to an insurer that the person is an adjuster or appraiser of claims for loss or damage covered by a motor vehicle insurance policy; or
(2)
under a contract, performs adjustments or appraisals for loss or damage covered by another form of security provided for under § 17-103(a)(2) of the Transportation Article.
Md. Code Ann., Ins. § 10-502 (2026)
Title 10. Regulation of Insurance Professions
Subtitle 5. Vehicle Damage Adjusters and Appraisers
§ 10–502LinkCopy Citation
This subtitle does not:
(1)
require an insurer to pay an amount for motor vehicle repair services or repair products necessary to properly and fairly repair a motor vehicle that is greater than the usual and customary charges for equivalent services or products charged by similar contractors or repair shops within a reasonable geographic or trade area of the address of the claimant or insured; or
(2)
prohibit an insurer from requiring a claimant or an insured to obtain an appraisal by driving a damaged motor vehicle to a facility that is owned or leased by or under contract to the insurer and is used exclusively for damage appraisals.
Md. Code Ann., Ins. § 10-503 (2026)
Title 10. Regulation of Insurance Professions
Subtitle 5. Vehicle Damage Adjusters and Appraisers
§ 10–503LinkCopy Citation
(a)
An adjuster, appraiser, or insurance producer or employee of an insurer may not:
(1)
recommend the use of a specific repair service or source for the repair or replacement of property damage to a motor vehicle without informing the claimant or insured that the claimant or insured does not have to use the recommended repair service or source;
(2)
require that an appraisal or repair be made in a specific repair shop;
(3)
require that a claimant or insured use a specific contractor or repair shop for a repair service or repair product; or
(4)
intimidate, coerce, or threaten a claimant or insured to use a specific contractor or repair shop for a repair service or repair product.
(b)
An adjuster or appraiser may not accept a gratuity or other form of remuneration from a repair service for recommending that repair service to a claimant or insured.
Md. Code Ann., Ins. § 10-504 (2026)
Title 10. Regulation of Insurance Professions
Subtitle 5. Vehicle Damage Adjusters and Appraisers
§ 10–504LinkCopy Citation
A person that intentionally violates this subtitle is subject to:
(1)
a civil penalty not exceeding $1,000 for each violation; and
(2)
denial, suspension, or revocation of any license held under this article.