# Insurance (GIN)

## Title 3. Kinds of Insurers

### Subtitle 2. Reciprocal Insurers

#### Section 3-215

(a) Modification of the terms of the subscribers' agreement or power of attorney of a domestic reciprocal insurer shall be made jointly by the attorney in fact of the reciprocal insurer and the subscribers' advisory committee.

(b) A modification described in subsection (a) of this section is not effective retroactively and does not apply to an insurance contract issued before the modification.

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