Maryland Code § IN-27-601.1

Section IN-27-601.1
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(a) For purposes of this subtitle, with respect to policies of personal
insurance, private passenger motor vehicle liability insurance, commercial insurance,
and workers' compensation insurance, the issuance by an insurer of a new policy to
replace an expiring policy issued by that insurer is a renewal.
(b) For purposes of this subtitle, with respect to policies of personal
insurance, private passenger motor vehicle liability insurance, commercial insurance,
and workers' compensation insurance, the issuance by an insurer of a new policy to
replace an expiring policy issued by another admitted insurer within the same
insurance holding company system, as defined in § 7-101 of this article, is a renewal
if:
(1) the policyholder's premium does not increase; and
(2) the policyholder does not experience a reduction in coverage.

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