Private Passenger Motor Vehicle Insurance - Premium Increase - Prohibition

HB 148 prohibits auto insurers in Maryland from increasing premiums for private passenger vehicle insurance based on claims history where the policyholder was not at fault for two or fewer claims in the prior three years. It directly affects auto insurance policyholders (especially those with minor claims) and insurers, preventing premium hikes tied to limited "not at fault" incidents. The law amends existing insurance code to ban such premium increases, effective October 1, 2025. This is a concrete policy change limiting how insurers use claims data to set rates.