People's Insurance Counsel Division (PICD) Table

with the Office of the Attorney General

People's Insurance Counsel of Division (PICD) represents the interests of consumers concerning Maryland Homeowners' Insurance and Medical Professional Liability Insurance and will have a table set up at the library to answer customer questions.

PICD is located in the Maryland Office of the Attorney General. While the Division cannot provide legal representation for individual consumers, PICD protects insurance consumers by:

· Discussing insurance problems with consumers to answer questions and explain the process available in Maryland for review of complaints.

· Reviewing complaints filed with the Maryland Insurance Administration to identify patterns in insurance practices that point to larger issues.

· Writing brochures to explain difficult insurance topics that affect consumers.

· Reviewing insurance company rate filings to make sure that insurance rates are supported by data and are not excessive.

· Reviewing insurance company filings of policy forms and rules to determine consistency with Maryland legal requirements and impact on consumers.

· Reviewing proposed legislation affecting consumers and representing consumer interests before the Maryland General Assembly.

· Proposing legislation to strengthen consumer protection laws.

· Alerting consumers to changes in Maryland that may affect them.

· Working with community organizations to bring insurance information to consumer

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