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.

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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​