Chapter 01. Insurance Requirements

Evidence of required security as provided for in Transportation Article, §17-103, shall be provided before the registration of a vehicle in this State.

The application for registration shall be on a form provided by the Administration and shall include the name of the insurance company, the name of the authorized agent, if any, the policy or binder number, and any other information that may be deemed necessary by the Administration.

If the applicant for registration is approved as a self-insurer as provided for in Transportation Article, §17-103(a)(2), the self-insurer's name and certificate number shall be indicated on the application for registration.

If the required security terminates during the registration period, the vehicle owner shall provide the Administration with the name of the insurance company replacing the terminated coverage, the name of the authorized agent, if any, the policy or binder number, and the effective date of the policy.

A person in the business of renting or leasing motor vehicles, trailers, or semitrailers shall file with the Financial Responsibility Division of the Administration, for each vehicle rented or leased, a copy of the liability insurance policy or proof of Maryland self-insurance certification required under Transportation Article, Titles 17 and 18, Annotated Code of Maryland, and a copy of the standard rental or lease agreement upon demand. The insurance policy or self-insurer shall provide primary coverage to the owner, the lessee, and each person driving or using the motor vehicle, trailer, or semitrailer with permission of the owner or lessee, notwithstanding any provisions of the rental or lease agreement to the contrary. The owner of the motor vehicle, trailer, or semitrailer which is to be rented or leased for a period exceeding 180 days may satisfy the owner's obligation to provide security by requiring the lessee to procure the security.

The owner of a motor vehicle, trailer, or semitrailer which is to be rented or leased for commercial use may satisfy the owner's obligation to provide security by requiring the lessee to procure the security, provided the lessor has in place, on file and approved by the Administration, one of the following in the event of default of the lessee to maintain primary coverage: