Ch. 542 LAWS OF MARYLAND
of Insurance. Any provision in any policy of motor vehicle
liability insurance issued after July 1, 1975, with respect to
the coverage provided for damages sustained by the insured as a
result of the operation of an uninsured motor vehicle, which
commands or requires the submission of any dispute between the
insured and the insurer to binding arbitration, is prohibited and
shall be of no legal force or effect. In no case shall the
uninsured motorist coverage be less than the coverage afforded a
qualified person under Article 48A, §§ 243H and 243-I. However,
the insurer may exclude from coverage benefits for:
(i) The named insured or members of his family
residing in the household when occupying, or struck as a
pedestrian by, an uninsured motor vehicle that is owned by the
named insured or a member of his immediate family residing in his
household; and
(ii) The named insured, members of his family
residing in the household, and all other persons having other
applicable automobile insurance and occupying, or struck as a
pedestrian by, the insured motor vehicle operated or used by a
person excluded from coverage under § 240C-1 of this article.
The coverage required under this subsection shall be primary to
any right to recovery from the Maryland Automobile Insurance Fund
pursuant to § 243H of this article.
(3) The limit of liability for an insurer providing
uninsured motorist coverage under this subsection is the amount
of that coverage less the sum of the limits under the liability
insurance policies, bonds, and securities applicable to the
bodily injury or death of the insured.
(d) All insurers shall offer collision coverage for damage
to insured motor vehicles subject to deductibles of $50 to $250
in $50 increments.
Collision coverage shall provide insurance without regard to
fault against accidental property damage to the insured motor
vehicle caused by physical contact of the insured motor vehicle
with another motor vehicle or with another object or by upset of
the insured motor vehicle, if the accident occurs within the
United States of America, its territories or possessions, Canada
or Mexico.
(e) The coverage required by subsection (c) of this section
does not apply to a policy of liability insurance that insures a
motor vehicle that is not subject to registration under § 13-402
of the Transportation Article, because it is not driven on a
highway or it is exempt under § 13-402(c)(10) of the
Transportation Article.
(f) Policies of insurance that have as their primary
purpose to provide coverage in excess of other valid and
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