Can my car insurer refuse to renew me if claims aren’t my fault?

Most Maryland drivers worry about their insurer turning them down for “at fault” claims, like causing a car accident which leads to a personal injury lawsuit. But what most Maryland drivers don’t know is that your car insurance can refuse to renew your policy for “not at fault” claims too – if you have too many of them.

If you have three or more “not at fault” claims in three years, Maryland law allows your car insurer to refuse to renew your policy. That includes comprehensive claims, uninsured/underinsured motorist claims, and PIP claims.

What about “at fault” claims, such as causing a car accident or personal injury case? It only takes two “at fault” claims in two years before an insurer can refuse to renew your policy. And, just to make matters more confusing, they can turn you down for any combination of three at fault claims or moving violations in a three year period. 

Discover what you need to know about Maryland car accident cases. Click here to see our Free Legal Consumer Guide to Car Accident Cases and get answer to your questions today.

Know your options. Be informed. Protect yourself.

About Southern Maryland Law


Andrews, Bongar, Gormley & Clagett is one of the oldest and largest law firms in Southern Maryland. We have been serving clients here for over 50 years. We have more attorneys and a larger staff than most other local law firms, so we can handle a wider variety of legal matters. Each attorney concentrates his or her practice in a few key areas, so you can be assured of the expertise you need.


But we are not so big that we forget about personal service! Your legal matter is unique, and requires a personalized approach. We will always remember that. If you have a legal issue, contact us today to schedule your consultation.