People's Insurance Counsel Division

Welcome to PICD

The People's Insurance Counsel Division (PICD) represents the interests of Maryland Home Owners 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
  
   

The People's Insurance Counsel Division welcomes your comments and suggestions. Click here to email pic@oag.state.md.us. And, please come visit us again soon.

Latest News from the People's Insurance Counsel Division

The recent weather has created issues for many homeowners.  If you have suffered any losses as a result of the recent rains and wish to discuss any issues you have with coverage through your homeowners policy, please contact the Division at pic@oag.state.md.us or 410-576-6432. 

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​