Maryland Transportation Section 11-143

      "Owner", as used in reference to a vehicle:

            (1)      Means a person who has the property in or title to the vehicle;

            (2)      Includes a person who, subject to a security interest in another person, is entitled to the use and possession of the vehicle;

            (3)      Does not include a lessee under a lease not intended as security; and

            (4)      Includes a lessee under a lease intended as a security.