# Insurance (GIN)

## Title 12. Policy Forms and Provisions

### Subtitle 3. Property and Motor Vehicle Liability Insurance

#### Section 12-305

(a) A claim for damage to property resulting from a motor vehicle accident may not be denied or payment of the claim delayed because the claimant, or another person, has a claim pending for bodily injury that may have arisen from the same or another accident.

(b) The amount payable for a claim for damage to property is due and owing immediately and shall be paid promptly by an insurer or by a self-insurer that is approved under Sec. 17-103(a) of the Transportation Article if:

  (1) the insurer or self-insurer has provided the coverage for the liable party; and

  (2) there is no significant dispute about:

    (i) the liability for the payment of the full property damages; or

    (ii) the monetary amount of those damages, including:

      (1) if claimed, an amount for the loss of the use of the motor vehicle; and

      (2) the cost of obtaining an estimate of repairs.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)