A notice of cancellation or nonrenewal sent by an insurer to its insured in accordance with Insurance Article, §§ 27-601.2 and 27-613, Annotated Code of Maryland, shall be sent by certified mail, delivered to an electronic mail address at which the insured has consented to receive mail, or posted to an electronic network with a separate notice to the insured directed to the electronic mail address at which the insured has consented to receive notice of the posting. In addition to the information required under §27-613, the notice shall include the following on the first page of the notice in 12-point bold type: IMPORTANT “Right of Protest” The “Right of Protest” does not apply to cancellation or nonrenewal due to nonpayment of premium. You may protest the action proposed by this notice as provided under Insurance Article, § 27-613, Annotated Code of Maryland by mail, facsimile, or electronically to the Insurance Commissioner. You must file your protest within thirty (30) days after this notice was sent to you in order for your protest to be considered by the Insurance Commissioner. If you send your protest by mail or facsimile you, the named insured, must sign a copy of this notice and send it to: Insurance Commissioner Maryland Insurance Administration 200 St. Paul Place Suite 2700 Baltimore, Maryland 21202 Fax Number 410-468-2307 You may file your protest electronically by uploading a copy at the following link: https://enterprise.insurance.maryland.gov/consumer/ConsumerPortalWelcomePage.aspx Your timely filed protest stays the action proposed by this notice. Accordingly, your insurance policy will remain in effect with the same coverages and premium that applied on the date this notice was sent to you until a determination is made by the Insurance Commissioner. In order to keep your policy in effect, however, you must timely pay any authorized premium due or becoming due before the determination is issued. The Insurance Commissioner will determine whether your protest has merit. You will then be notified in writing whether the proposed action is disallowed or your protest is dismissed. If the protest is dismissed, you then have the right, within thirty (30) days after the date on which the Commissioner sends you the determination, to request a hearing. If you request a hearing, you will be notified in writing of the time and place of the hearing at least ten (10) days before the hearing. The Commissioner shall order the insurer to pay reasonable attorney fees incurred by you for representation at the hearing if the Commissioner finds that: (1) the actual reason for the proposed action is not stated in the notice or the proposed action is not in accordance with §27-501 of the Insurance Article, the insurer's filed rating plan, its underwriting standards, or the lawful terms and conditions of the policy related to a cancellation or nonrenewal; and (2) the insurer's conduct in maintaining or defending the proceeding was in bad faith or the insurer acted willfully in the absence of a bona fide dispute. I protest the action proposed by the insurer. My reasons for protesting the action are: ______________________________________________________ Signature (Named Insured) – required if protest submitted by mail or fax: __________________________ Date: _____________ Insured’s Daytime Phone Number: __________________________ Insured’s Email Address: __________________________________

Authority: Insurance Article, §§2-109, 11-318, 27-609, 27-613, and 27-614, Annotated Code of Maryland

Effective date: July 1, 1979 (6:13 Md. R. 1125)

Regulation .01 repealed and new Regulation .01 adopted effective February 4, 1991 (18:2 Md. R. 149)

Regulation .03 amended and .04 adopted effective December 17, 1984 (11:25 Md. R. 2133)

Regulation .03 amended effective February 4, 1991 (18:2 Md. R. 149)

Regulation .04 amended effective February 4, 1991 (18:2 Md. R. 149)

Chapter revised as an emergency provision effective October 1, 1997 (24:22 Md. R. 1550); revised permanently effective March 23, 1998 (25:6 Md. R. 487)

Chapter recodified from COMAR 09.30.34 to COMAR 31.08.03 effective September 7, 1998 (25:18 Md. R. 1439)

Chapter revised effective January 1, 2003 (29:20 Md. R. 1591) (This revision applies to all cancellations of, failure to renew, increase in premiums for, and reductions in coverage under a policy of motor vehicle liability insurance that are effective on or after January 1, 2003)

Regulation .03B amended effective March 14, 2005 (32:5 Md. R. 582)

Regulation .04 amended effective March 14, 2005 (32:5 Md. R. 582)

Regulation .04 amended as an emergency provision effective November 3, 2005 (32:25 Md. R. 1939); amended permanently effective March 13, 2006 (33:5 Md. R. 523)

Regulation .05A amended effective March 14, 2005 (32:5 Md. R. 582)

Regulation .07 amended as an emergency provision effective November 3, 2005 (32:25 Md. R. 1939); amended permanently effective March 13, 2006 (33:5 Md. R. 523)

Regulation .08 amended effective March 14, 2005 (32:5 Md. R. 582)

Regulation .08 amended as an emergency provision effective November 3, 2005 (32:25 Md. R. 1939); amended permanently effective March 13, 2006 (33:5 Md. R. 523)

Regulation .09B amended effective March 14, 2005 (32:5 Md. R. 582)

Regulation .10 repealed effective March 14, 2005 (32:5 Md. R. 582)

Chapter revised as an emergency provision effective January 11, 2008 (35:3 Md. R. 287); revised permanently effective March 10, 2008 (35:5 Md. R. 642)

Regulation .04 amended effective February 22, 2021 (48:4 Md. R. 178); November 15, 2021 (48:23 Md. R. 982); June 1, 2025 (52:3 Md. R. 161)

Regulation .05 amended effective February 22, 2021 (48:4 Md. R. 178); November 15, 2021 (48:23 Md. R. 982); June 1, 2025 (52:3 Md. R. 161)

Regulation .06A amended effective June 9, 2014 (41:11 Md. R. 606)

Regulation .06A, B amended effective November 15, 2021 (48:23 Md. R. 982)

Regulation .07 amended effective March 1, 2016 (42:22 Md. R. 1380); February 22, 2021 (48:4 Md. R. 178); June 1, 2025 (52:3 Md. R. 161)

Regulation .08 amended effective March 1, 2016 (42:22 Md. R. 1380); February 22, 2021 (48:4 Md. R. 178); June 1, 2025 (52:3 Md. R. 161)

Regulation .10 amended effective November 15, 2021 (48:23 Md. R. 982)