{"data":{"id":"us-md/md.-code-insurance-27-303","jurisdiction":"us-md","citation":"Md. Code, Insurance § 27–303","heading":"","body":"It is an unfair claim settlement practice and a violation of this subtitle for an insurer, nonprofit health service plan, or health maintenance organization to:\n(1) misrepresent pertinent facts or policy provisions that relate to the claim or coverage at issue;\n(2) refuse to pay a claim for an arbitrary or capricious reason based on all available information;\n(3) attempt to settle a claim based on an application that is altered without notice to, or the knowledge or consent of, the insured;\n(4) fail to include with each claim paid to an insured or beneficiary a statement of the coverage under which payment is being made;\n(5) fail to settle a claim promptly whenever liability is reasonably clear under one part of a policy, in order to influence settlements under other parts of the policy;\n(6) fail to provide promptly on request a reasonable explanation of the basis for a denial of a claim;\n(7) fail to meet the requirements of Title 15, Subtitle 10B of this article for preauthorization for a health care service;\n(8) fail to comply with the provisions of Title 15, Subtitle 10A of this article;\n(9) fail to act in good faith, as defined under § 27–1001 of this title, in settling a first–party claim under a policy of property and casualty insurance; or\n(10) fail to comply with the provisions of § 16–118 of this article.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=27-303","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"952067b1db336e060d7750e479c835fd49007e9537d5152b0e8db946138f10cb","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-27-302","next":"us-md/md.-code-insurance-27-304"},"notice":"GroundRules: Original legal text. Not legal advice."}