Under COMAR, an insurer has 10 business days after determining that a motor vehicle of a first-party insured is a total loss to either value the car and make an offer of cash settlement or replace the vehicle (if the policy allows for the same). “Business days” are days “other than Saturday, Sunday, a federal holiday, or a State holiday.” As a result, 10 business days will generally be two weeks or slightly longer when there is a holiday. However, for third-party claimants, the insurer has “10 days” to make an offer of cash settlement. The Maryland Insurance Administration states that it has treated the “10 days” requirement to mean 10 calendar days, not 10 business days.