People's Insurance Counsel Division​​

Welcome to PICD

The People's Insurance Counsel Division (PICD) represents the interests of Maryland Homeowners and Medical Professionals. We are located in the Maryland Office of the Attorney General. While the Division cannot provide legal representation for individual consumers, PICD protects insurance consumers by:

• Discussing insurance problems with consumers to answer questions and explain the process available in Maryland for review of complaints.

• Reviewing complaints filed with the Maryland Insurance Administration to identify patterns in insurance practices that point to larger issues.

• Writing brochures to explain difficult insurance topics that affect consumers.

• Reviewing insurance company rate filings to make sure that insurance rates are supported by data and are not excessive.

• Reviewing insurance company filings of policy forms and rules to determine consistency with Maryland legal requirements and impact on consumers.

• Reviewing proposed legislation affecting consumers and representing consumer interests before the Maryland General Assembly.
  

• Proposing legislation to strengthen consumer protection laws.

• Alerting consumers to changes in Maryland that may affect them.

• Working with community organizations to bring insurance information to consumer
  

   
  

DO YOU HAVE A HOME INVENTORY?

Research suggests that more than half of consumers do not have an inventory of their possessions. Creating a simple home inventory helps you track what you own and what it is worth, making important insurance decisions easier. The National Association of Insurance Commissioners has created a free home inventory app to make creating your home inventory easier. Check it out now!! https://insureuonline.org/insureu_special_dis aster.htm?modal​

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Other Helpful Websites for Consumers            

PICD has included links to other helpful websites within PICD's webpages. Links to other websites are for the convenience of our website visitors. The inclusion of a link is not an endorsement by the Maryland Attorney General's Office of the site or its contents.​