---
type: "Bill"
title: "Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study"
description: "Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2025"
identifier: "HB 1098"
citation: "Maryland HB 1098 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Fraser-Hidalgo", "Wilson"]
version_count: 3
action_count: 23
vote_count: 3
first_action: "2025-02-05"
last_action: "2025-05-06"
source: "openstates"
source_identifier: "ocd-bill/99d41986-8b14-4292-b055-5bee5227f661"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb1098?ys=2025RS&search=True"
source_hash: "25516126eccb2759abbbc14d176a90a033b8acb15a27f072450a990e921650da"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-md"]
---

# Maryland HB 1098 (2025) — Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Chapter - Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_395_hb1098t.pdf)
2. **First - Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1098f.pdf)
3. **Third - Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1098t.pdf)

## Votes

- On Third Reading (Amend) — **45–0** (pass) · upper
- On Third Reading — **107–31** (pass) · lower
- Bill is on Third Reading for Final Passage. — **43–2** (pass) · upper

## Sponsors

- Fraser-Hidalgo — primary (person)
- Wilson — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-05** First Reading Economic Matters `referral-committee`
- **2025-02-06** Hearing 2/19 at 1:00 p.m.
- **2025-03-15** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2025-03-15** Favorable with Amendments { `committee-passage-favorable`
- **2025-03-15** Floor Amendment {
- **2025-03-15** Second Reading Passed with Amendments
- **2025-03-17** Third Reading Passed `passage`
- **2025-03-17** Referred Finance `referral-committee`
- **2025-03-20** Hearing 3/27 at 1:00 p.m.
- **2025-04-04** Favorable with Amendments Report by Finance `committee-passage-favorable`
- **2025-04-04** Favorable with Amendments { `committee-passage-favorable`
- **2025-04-04** Second Reading Passed with Amendments
- **2025-04-04** Third Reading Passed `passage`
- **2025-04-05** House Refuses Concur Senate Amendments
- **2025-04-05** House Requests Senate Recede
- **2025-04-05** House Conference Committee Appointed (Delegates Fraser-Hidalgo, A. Johnson and Pippy)
- **2025-04-07** House Refuses Concur Senate Amendments
- **2025-04-07** House Requests Senate Recede
- **2025-04-07** House Conference Committee Appointed (Delegates Fraser-Hidalgo, A. Johnson and Pippy)
- **2025-04-07** Senate Recede
- **2025-04-07** Third Reading Passed `passage`
- **2025-04-07** Returned Passed
- **2025-05-06** Approved by the Governor - Chapter 395 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/99d41986-8b14-4292-b055-5bee5227f661`. Confidence: reported (aggregated from official Maryland legislature records).