# Insurance (GIN)

## Title 19. Property and Casualty Insurance

### Subtitle 5. Motor Vehicle Insurance -- Primary Coverage

#### Section 19-518

(a) In this section, "volunteer driver" means an individual who provides driving services, including transportation of individuals or goods, without compensation other than for expenses to:

  (1) a charitable organization, as defined in Sec. 6-101 of the Business Regulation Article, in the State; or

  (2) a not-for-profit organization in the State that is exempt from taxation under Sec. 501(c)(3), (4), or (6) of the Internal Revenue Code.

(b) An insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State may not:

  (1) cancel the policy of a named insured or refuse to issue the policy to an applicant solely because the named insured or applicant is a volunteer driver; or

  (2) impose a surcharge on or otherwise increase the rate for the policy solely because the named insured or applicant, a member of the named insured's or applicant's household, or an individual who customarily operates the named insured's or applicant's motor vehicle is a volunteer driver.

(c) This section does not prohibit an insurer from canceling, refusing to renew, imposing a surcharge on, or otherwise increasing the rate for a motor vehicle liability insurance policy based on factors other than the status of a driver under the policy as a volunteer driver.

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