I have taught insurance law for the last 17 years at the University of Baltimore Law School. I think it is important to explain both the hornbook majority view and Maryland law. Typically, what I’m saying is that the majority view is this balanced, reasonable law… and then there is Maryland law which seems to bend over backward to favor insurance companies.
There is a political element to this. Maryland insurance law is stunningly conservative. Paul Ryan himself probably vigorously approves. Yet Maryland is an extremely liberal state. Sure, we went through that crazy college experimentation-like phase with Bob Ehrlich but we have consistently picked liberal governors and have consistently had a solid liberal majority in the Maryland General Assembly. So why are we the Rush Limbaugh of insurance?