| BALTIMORE - The Maryland Insurance Administration recovered $42.1 million for Marylanders by helping resolve insurance-related issues and complaints in the first six months of 2025.
“The Maryland Insurance Administration’s primary responsibility is ensuring that consumers are treated fairly,” said Maryland Insurance Commissioner Marie Grant. “We are dedicated to upholding Maryland’s insurance laws, and we urge anyone facing an insurance-related issue or concern to contact us for support.”The money was recovered through the Administration’s Rapid Response Program, the Property and Casualty Division’s Complaints Unit, the Life and Health Division’s Complaints Unit, the Appeals & Grievance Unit, the Insurance Fraud and Producer Enforcement Division, and the Market Regulation and Professional Licensing Division.
- The Maryland Insurance Administration’s innovative Rapid Response Program helps many consumers resolve property and casualty claims, such as auto and homeowners claims, quickly and without having to file a formal written complaint. Participation in the Rapid Response Program is voluntary and does not affect the consumer’s right to file a formal complaint. The program closed 1,018 complaints between January 1 and June 30 and recovered more than $2.3 million for consumers.
- The Property and Casualty Complaints Unit is responsible for investigating formal property and casualty insurance complaints filed by consumers. The unit closed 4,302 complaints in the first half of 2025 and recovered nearly $4 million for consumers.
- The Life and Health Complaints Unit is responsible for investigating life and health insurance complaints filed by consumers and providers. The unit closed 1,969 complaints and recovered nearly $6 million for consumers and providers.
- Maryland law gives consumers the right to appeal a decision that denies coverage for medically necessary treatment. If a doctor has determined that certain medical treatment is needed, but an HMO or health insurer does not agree, this law allows a consumer to appeal. The Administration’s Appeals & Grievance Unit responded to 680 such complaints in the first half of 2025 and recovered about $430,000 for consumers.
- The Administration’s Market Regulation and Professional Licensing Division is responsible for regulatory oversight of domestic and foreign insurance companies and title producers. Oversight is performed through a variety of methods, including comprehensive and target market conduct examinations and investigations.
The Division’s Market Conduct Unit closed 175 investigations, issued nine orders, assessed $227,000 in penalties and recovered nearly $10.4 million for consumers.
- The Insurance Fraud and Producer Enforcement Division investigates and prosecutes civil and criminal insurance fraud committed by insurance companies, producers (agents or brokers), consumers and the general public. From January 1 through June 30, the work for the Criminal Fraud Unit resulted in 6 indictments, 10 convictions and seven cases awaiting trial. In the criminal cases, the courts ordered $18.75 million in restitution. The civil fraud group levied $55,000 in penalties and recovered $4,457 in restitution for Maryland consumers and businesses.
The Division’s Producer Enforcement Unit is responsible for investigating misconduct by insurance producers (agents), public adjusters and bail bonds producers. The Producer Enforcement Unit closed 102 investigations, resulting in $23,600 in administrative penalties.
The Division’s Title Insurance Enforcement Unit closed 717 investigations, assessed penalties of $4,400, and recovered $261,483 for consumers.
Recovering money for consumers and business owners is one of many ways the Maryland Insurance Administration serves the state’s citizens. The Administration licenses and regulates insurers, insurance agents, and brokers who conduct business in the state, and monitors the financial solvency of licensed insurers. The Administration also educates consumers about insurance issues, investigates consumer complaints and questions concerning insurance companies operating in Maryland and resolves insurance appeals and grievances about coverage decisions or claims denials.Notably, the Administration’s Health Coverage Assistance Team (H-CAT), formed in 2024, assisted 975 Marylanders in the first six months of 2025. The H-CAT team answers health insurance questions, addresses health insurance problems or concerns, assists in filing health insurance complaints and connects consumers with health coverage resources. The team can be reached via an online form, by phone at 410-468-2442 or through email at hcat.mia@maryland.gov. If you would like to file an insurance complaint, please visit the MIA's online portal: File A Complaint Have you been denied insurance coverage for medically necessary care? Visit our Appeals & Grievance page or call our 24/7 Hotline at 1-800-492-6116. To report suspected insurance fraud, please visit our Insurance Fraud page. |
