I may be wrong about the insurance thing. I found this that details the new law.
Here is what it says:
Titling and Registration
Mopeds and Motor Scooters
Recent spikes in gas prices have contributed to the popularity of mopeds and motor scooters, as many people regard these vehicles as a less expensive and more efficient alternative to automobiles for short trips. Traffic safety advocates, however, have expressed concerns about
the increasing number of mopeds and motor scooters on high-speed thoroughfares, as these vehicles cannot achieve the speeds of automobiles and, as a result, make integration with automobile traffic difficult.
Senate Bill 309/House Bill 149 (both passed) require mopeds and motor scooters to be titled and require an excise tax to be imposed on any moped or motor scooter for which sales and use tax is not collected at the time of purchase. On issuance of a title for a moped or motor
scooter, the Motor Vehicle Administration (MVA) is required to issue a permanent decal with a unique number sequence to be displayed on the vehicle.
The bills require the operator of a moped or a motor scooter to carry a vehicle liability insurance policy and to possess proof of this insurance when operating a moped or motor scooter. The bills also expand the definition of a “covered vehicle,” for which the Maryland Automobile Insurance Fund is required to provide insurance coverage to eligible individuals, to include mopeds, motor scooters, and any motor vehicle required to be registered with MVA.
Under the bills, an individual who rides or operates a motor scooter or moped is required to wear protective headgear and, if the vehicle does not have a windscreen, an eye-protection device is required. The bills authorize an insurer either to exclude certain economic loss benefits from personal injury protection coverage of policies written for mopeds or motor scooters or to offer the economic loss benefits with deductibles, options, or specific exclusions, as is authorized under current law for motorcycles.
Finally, the bills require MVA to waive the fee for titling a moped or motor scooter for an individual who owns the moped or motor scooter on October 1, 2012, and titles the vehicle during the first year that the law is in effect.