# Maryland HB 1098: Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study

Maryland HB 1098, Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study, is a 2025 Regular Session House bill sponsored by David Fraser-Hidalgo (Democratic); status signed, last action 2025-05-06 (Approved by the Governor - Chapter 395); PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/MD-HB1098-2025RS
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Maryland HB 1098
- State: Maryland
- Session: 2025 Regular Session
- Title: Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study
- Status: signed
- Chamber: House
- Introduced: 2025-02-05
- Last action: 2025-05-06, Approved by the Governor - Chapter 395
- Sponsor: David Fraser-Hidalgo (Democratic)
- Cosponsors: 1
- Subjects: Insurance - Other than Health, Assessments -see also- Property Tax, Classifications and Designations, Committees and Commissions, Fees -see also- Attys' Fees; Devt Fees & Taxes, Insurance Administration, Motor Vehicle Insurance, Prices -see also- Consumer Price Index, Reports, Revenue and Taxes -see also- (specific tax), Standards and Best Practices, Studies -see also- Commitees & Commissions; Reports, Sunset
- Touches household money: yes
- Roll calls: 3 (195 yes, 33 no in all)
- Economic provisions PRIA read: 2

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Maryland auto fund faces stronger financial oversight: benefit, low. The Maryland Automobile Insurance Fund must calculate and report its risk-based capital, a measure of its financial strength. Beginning December 31, 2026, its total adjusted capital must meet or exceed its required company action level. State rate-review rules apply to its premium decisions and rat…
- Maryland auto insurers face special assessment rules: cost, low. For the Maryland Automobile Insurance Fund’s 2025 operating results only, its board has special authority to certify an insurer assessment. It may certify the greater of the statutory calculation or a board-selected amount up to $20 million. The certification deadline is March 15, 2026. The assessm…

## Sponsors and cosponsors

- Sponsor: David Fraser-Hidalgo (Democratic), House
- Cosponsor: C. T. Wilson (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-07 | Senate | Third Reading Passed | pass | 43 | 2 | 2 |
| 2025-04-04 | Senate | Third Reading Passed | pass | 45 | 0 | 1 |
| 2025-03-17 | House | Third Reading Passed | pass | 107 | 31 | 1 |

## Actions (23)

- 2025-05-06: Approved by the Governor - Chapter 395
- 2025-04-07: Returned Passed (House)
- 2025-04-07: Third Reading Passed (43-2) (Senate)
- 2025-04-07: Senate Recede (Senate)
- 2025-04-07: House Conference Committee Appointed (Delegates Fraser-Hidalgo, A. Johnson and Pippy) (Senate)
- 2025-04-07: House Requests Senate Recede (Senate)
- 2025-04-07: House Refuses Concur Senate Amendments (Senate)
- 2025-04-05: House Conference Committee Appointed (Delegates Fraser-Hidalgo, A. Johnson and Pippy) (House)
- 2025-04-05: House Requests Senate Recede (House)
- 2025-04-05: House Refuses Concur Senate Amendments (House)
- 2025-04-04: Third Reading Passed (45-0) (Senate)
- 2025-04-04: Second Reading Passed with Amendments (Senate)
- 2025-04-04: Favorable with Amendments {963829/1 Adopted (Senate)
- 2025-04-04: Favorable with Amendments Report by Finance (Senate)
- 2025-03-20: Hearing 3/27 at 1:00 p.m. (Senate)
- 2025-03-17: Referred Finance (Senate)
- 2025-03-17: Third Reading Passed (107-31) (House)
- 2025-03-15: Second Reading Passed with Amendments (House)
- 2025-03-15: Floor Amendment {723223/1 (Chair, Economic Matters Committee) Adopted (House)
- 2025-03-15: Favorable with Amendments {123526/1 Adopted (House)
- 2025-03-15: Favorable with Amendments Report by Economic Matters (House)
- 2025-02-06: Hearing 2/19 at 1:00 p.m. (House)
- 2025-02-05: First Reading Economic Matters (House)

## Bill text

- Enacted, 2025-05-06: [PDF](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_395_hb1098t.pdf)
- Third Reading, 2025-03-15: [PDF](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1098t.pdf)
- First Reading, 2025-02-06: [PDF](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1098f.pdf)

## Related bills

- HB 0384: Maryland Disability Service Animal Program - Established (vetoed)
- SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions (vetoed)
- HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination Review Process (vetoed)
- SB 0157: Maryland Disability Service Animal Program - Established (vetoed)
- HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization (became law)
- HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard (signed)

## Sources
- [Enacted (PDF)](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_395_hb1098t.pdf)
- [Third Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1098t.pdf)
- [First Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1098f.pdf)

## Related
- [HB 0384: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-HB0384-2025RS)
- [SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions](https://policyrisk.com/state-bill/MD-SB0227-2025RS)
- [HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination…](https://policyrisk.com/state-bill/MD-HB0482-2025RS)
- [SB 0157: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-SB0157-2025RS)
- [HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization](https://policyrisk.com/state-bill/MD-HB1294-2025RS)
- [HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard](https://policyrisk.com/state-bill/MD-HB0228-2025RS)
- [Maryland bills](https://policyrisk.com/states/maryland/bills)
- [Maryland state hub](https://policyrisk.com/states/maryland)
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Source: PRIA, https://policyrisk.com/state-bill/MD-HB1098-2025RS (as of 2026-10-17).