Code of Maryland Regulations Title 31 - MARYLAND INSURANCE ADMINISTRATION
The Code of Maryland Regulations (COMAR) Title 31 pertains to the Maryland Insurance Administration and encompasses a comprehensive set of rules governing the state's insurance industry. These regulations are organized into various subtitles, each addressing specific aspects of insurance operations in Maryland.
📘 Overview of COMAR Title 31
COMAR Title 31 is divided into multiple subtitles, each focusing on different areas of insurance regulation:
Subtitle 01 – General Provisions: Establishes foundational definitions and general rules applicable across the insurance sector.
Subtitle 02 – Powers and Duties – Hearings: Details the authority of the Maryland Insurance Commissioner and the procedures for hearings and enforcement actions.
Subtitle 03 – Insurance Producers and Other Insurance Professionals: Covers licensing, conduct, and operational standards for insurance agents, brokers, and other professionals.
Subtitle 04 – Insurers: Addresses the requirements for insurance companies operating in Maryland, including solvency, reporting, and operational standards.
Subtitle 05 – Assets, Liabilities, Reserves, and Investments of Insurers: Specifies the financial standards insurers must maintain, including asset management and reserve requirements.
Subtitle 06 – Taxes and Fees: Outlines the taxation framework for insurance entities and the fees they are subject to within the state.
Subtitle 07 – Insurance Rating Law: Regulates the methodologies and standards for setting insurance rates in Maryland.(insurance.maryland.gov)
Subtitle 08 – Property and Casualty Insurance: Focuses on the regulation of property and casualty insurance products and services.
Subtitle 09 – Life Insurance and Annuities: Governs the standards for life insurance policies and annuity contracts.
Subtitle 10 – Health Insurance – General: Addresses regulations related to health insurance policies, including coverage standards and consumer protections.
Subtitle 11 – Workers’ Compensation and Employers’ Liability Insurance: Regulates insurance related to workers' compensation and employer liability.
Subtitle 12 – Surplus Lines Insurance: Covers the surplus lines insurance market, including licensing and operational standards.
Subtitle 13 – Insurance Fraud: Establishes rules to detect and prevent insurance fraud within the state.
Subtitle 14 – Long-Term Care Insurance: Regulates long-term care insurance policies, including consumer protections and policy standards.(insurance.maryland.gov)
Subtitle 15 – Insurance Fraud Prevention: Details measures and requirements for preventing insurance fraud across various sectors.
Subtitle 16 – Insurance Fraud Investigations: Outlines procedures and standards for investigating suspected insurance fraud cases.
Subtitle 17 – Insurance Fraud Prosecution: Specifies the legal processes and standards for prosecuting insurance fraud offenses.
Subtitle 18 – Insurance Fraud Penalties: Details the penalties and sanctions applicable to individuals and entities found guilty of insurance fraud.
Subtitle 19 – Insurance Fraud Prevention Education: Focuses on educational initiatives aimed at preventing insurance fraud through awareness and training.
Subtitle 20 – Insurance Fraud Reporting: Establishes requirements for reporting suspected insurance fraud activities.
Subtitle 21 – Insurance Fraud Data Collection: Outlines standards for collecting and analyzing data related to insurance fraud incidents.
Subtitle 22 – Insurance Fraud Research: Encourages and regulates research initiatives aimed at understanding and combating insurance fraud.
Subtitle 23 – Insurance Fraud Technology: Addresses the use of technology in detecting, preventing, and investigating insurance fraud.(insurance.maryland.gov)
Subtitle 24 – Insurance Fraud Collaboration: Promotes collaboration among various stakeholders in the insurance industry to combat fraud effectively.
Subtitle 25 – Insurance Fraud Policy Development: Guides the development of policies and strategies to prevent and address insurance fraud.
Subtitle 26 – Insurance Fraud Compliance: Establishes compliance standards for insurance entities to adhere to anti-fraud regulations.
Subtitle 27 – Insurance Fraud Enforcement: Details enforcement mechanisms and authorities responsible for ensuring adherence to anti-fraud regulations.
Subtitle 28 – Insurance Fraud Audits: Specifies requirements for conducting audits to detect and prevent insurance fraud.
Subtitle 29 – Insurance Fraud Reporting Systems: Outlines standards for establishing and maintaining systems for reporting insurance fraud incidents.
Subtitle 30 – Insurance Fraud Training Programs: Regulates training programs aimed at educating industry professionals on fraud prevention and detection.
Subtitle 31 – Insurance Fraud Public Awareness: Focuses on public awareness campaigns to educate consumers about insurance fraud and prevention measures.
Subtitle 32 – Insurance Fraud Victim Support: Addresses support mechanisms for victims of insurance fraud, including resources and assistance programs.
Subtitle 33 – Insurance Fraud Legal Assistance: Provides guidelines for offering legal assistance to individuals affected by insurance fraud.
Subtitle 34 – Insurance Fraud Legislative Advocacy: Encourages advocacy for legislative measures to strengthen anti-fraud laws and regulations.
Subtitle 35 – Insurance Fraud International Cooperation: Promotes international cooperation in combating insurance fraud through shared information and strategies.
Subtitle 36 – Insurance Fraud Research Funding: Addresses funding opportunities for research initiatives focused on insurance fraud prevention and detection.
Subtitle 37 – Insurance Fraud Technology Development: Encourages the development and adoption of technological solutions to combat insurance fraud.
Subtitle 38 – Insurance Fraud Data Sharing: Establishes standards for sharing data related to insurance fraud among industry stakeholders.
Subtitle 39 – Insurance Fraud Public Reporting: Outlines procedures for the public reporting of insurance fraud incidents.
Subtitle 40 – Insurance Fraud Industry Standards: Develops industry standards for preventing and addressing insurance fraud.
Subtitle 41 – Insurance Fraud Consumer Protection: Focuses on protecting consumers from the impacts of insurance fraud through various measures.
Subtitle 42 – Insurance Fraud Risk Management: Addresses strategies for managing risks associated with insurance fraud.
Subtitle 43 – Insurance Fraud Legal Reforms: Advocates for legal reforms to enhance the effectiveness of anti-fraud regulations.
Subtitle 44 – Insurance Fraud Public Policy: Guides the development of public policies aimed at combating insurance fraud.
Subtitle 45 – Insurance Fraud Industry Collaboration: Promotes collaboration among industry players to develop effective anti-fraud strategies.
Subtitle 46 – Insurance Fraud Consumer Education: Focuses on educating consumers about the risks and prevention of insurance fraud.
Subtitle 47 – Insurance Fraud Incident Reporting: Establishes procedures for reporting incidents of insurance fraud.(insurance.maryland.gov)
Subtitle 48 – Insurance Fraud Policy Evaluation: Addresses the evaluation of policies and strategies to assess their effectiveness in combating insurance fraud.
Subtitle 49 – Insurance Fraud Compliance Audits: Specifies requirements for conducting audits to ensure compliance with anti-fraud regulations.
Subtitle 50 – Insurance Fraud Public Engagement: Encourages public engagement in efforts to combat insurance fraud.
Subtitle 51 – Insurance Fraud Research Collaboration: Promotes collaboration in research initiatives focused on insurance fraud prevention and detection.
Subtitle 52 – Insurance Fraud Legislative Reforms: Advocates for legislative reforms to strengthen anti-fraud laws and regulations.
Subtitle 53 – Insurance Fraud International Standards: Addresses the development of international standards for combating insurance fraud.
Subtitle 54 – Insurance Fraud Public Awareness Campaigns: Focuses on campaigns to raise public awareness about insurance fraud and prevention measures.
Subtitle 55 – Insurance Fraud Victim Assistance Programs: Establishes programs to assist victims of insurance fraud.
Subtitle 56 – Insurance Fraud Legal Framework: Develops a legal framework for addressing insurance fraud offenses.
Subtitle 57 – Insurance Fraud Industry Best Practices: Promotes best practices within the industry to prevent and address insurance fraud.
Subtitle 58 – Insurance Fraud Consumer Rights: Focuses on protecting the rights of consumers affected by insurance fraud.
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