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SB 304

Collisions With Wild Animals - Prohibited Actions by Insurer

2026 Regular Session Introduced by Jack Bailey and 11 co-sponsors

SB 304 bars Maryland insurers from denying coverage, canceling policies, or raising rates based solely on wild animal collision claims.

Hearing 2/04 at 1:00 p.m.
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WeVote Research Nonpartisan
Bill Summary · SB 304

Legislative bill overview

SB 304 prohibits insurance companies from taking certain actions against policyholders who file claims for vehicle damage resulting from collisions with wild animals. The bill restricts insurers' ability to deny coverage, cancel policies, or increase premiums solely based on wildlife collision claims. This represents a consumer protection measure targeting what sponsors view as unfair insurance practices.

Why is this important

Wildlife collisions are unpredictable events beyond driver control, yet insurers traditionally treat them similarly to at-fault accidents when adjusting rates or coverage. This bill protects consumers from premium increases and coverage denial for unavoidable incidents, potentially affecting insurance costs for residents in rural and suburban areas where wildlife encounters are common. The measure addresses a growing consumer complaint about insurance industry practices in Maryland.

Potential points of contention

  • Industry opposition: Insurance companies may argue that wildlife collision claims still represent legitimate risk factors that should influence pricing and underwriting decisions, and that restricting their use limits actuarial flexibility
  • Definition and scope ambiguity: The bill's specific prohibited actions need clarification—does it completely ban surcharges, or only prevent coverage cancellation; does it apply equally to comprehensive coverage adjustments
  • Rate-setting impact: Restricting risk assessment tools could theoretically increase premiums for other drivers or reduce policy availability in high-collision areas, shifting costs within the insurance pool

Compiled from official sources — confirm details with the bill’s official record.

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