304                              Laws of Maryland                        [Ch. 73

(h) "Insurer" means any insurer authorized in this State to
write automobile liability insurance.

(i) "Net direct written premiums" means direct gross pre-
miums written on policies insuring against legal liability for bodily
injury or death and for damage to property arising out of the
ownership, operation or maintenance of motor vehicles which are
principally garaged in this State, less return premiums thereon.

(j) "Registration license year" for Class A and D vehicles means
the period beginning April 1, 1973, and ending March 31, 1974,
and each subsequent twelve month period, beginning April 1 and
ending the following March 31. For all other classes of motor vehi-
cles, "registration license year" means the period beginning May
1, 1973 and ending April 30, 1974 and each subsequent twelve month
period, beginning May 1, and ending the following April SO.

35. Motor vehicle Casualty Insurance—Required Primary Coverage.
538. Definitions. As used in this subtitle,

(a)    "Accident" means any occurrence involving a motor vehi-
cle, other than an occurrence caused intentionally by or at the
direction of the insured, from which damage to any property or
injury to any person results.

(b)    "Motor Vehicle" means automobile and any other vehicle,
including a trailer, operated or designed for operation upon a public
road by any power other than animal or muscular power.

(c)    "Named insured" means the person denominated in the
declarations in a policy of motor vehicle liability insurance.

(d)    "Income" means wages, salary, tips, commissions, profes-
sional fees, and other earnings from work or employment, including
earnings from businesses or farms owned individually or jointly or
in partnership with others. To the extent that any such earnings
are paid or payable in property or services other than cash, "income"
means the reasonable value of such property or services.

(e)    "Income producer" means a person who at the time of an
accident was in an occupational status where he was earning or
producing income.

539. Basic Required Primary Coverage—Property Damage

No policy of motor vehicle liability insurance shall be issued, sold,
delivered or renewed in this State after January 1, 1973, unless the

policy provides for direct payment or reimbursement by the insurer
for

   (a) All loss of or damage to the insured motor vehicle and to

any personal property located therein, in excess of $100.00 resulting

from an accident in which the insured motor vehicle is involved;

provided, however, an insurer may issue, sell and deliver a policy

providing for the payment or reimbursement for all or any part of
the first $100.00 of such damages if the insured elects such additional
coverage.

(b) All loss of or damage to other real or personal property

resulting from an accident in which the insured motor vehicle is

involved, except a motor vehicle other than the insured motor vehicle
and personal property located therein, up to such maximum, not less