WM. PRESTON LANE, JR., GOVERNOR. 1233

reasonable competition, or (2) to prohibit, or encourage ex-
cept to the extent necessary to accomplish the aforementioned
purpose, uniformity in insurance rates, rating systems, rating
plans or practices. This Act shall be liberally interpreted to
carry into effect the provisions of this sub-section.

2. SCOPE OF ACT.

This Act applies to fire, marine and inland marine insur-
ance, on risks located in this State. Inland marine insurance
shall be deemed to include insurance now or hereafter defined
by statute, or by interpretation thereof, or if not so defined
or interpreted, by ruling of the insurance commissioner, here-
inafter referred to as commissioner, or as established by
general custom of the business, as inland marine insurance.

This Act applies to all insurance companies, including
stock and mutual companies, Lloyd's or a Lloyd's Plan of
operation, and reciprocal exchanges and inter-insurers.

This Act shall not apply:

(a) To reinsurance, other than joint reinsurance to the
extent stated in Sub-section 11;

(b) To insurance of vessels or craft, their cargoes, marine
builders' risks, marine protection and indemnity, or other
risks commonly insured under marine, as distinguished from
inland marine, insurance policies;

(c) To insurance of hulls of aircraft, including their acces-
sories and equipment, or against liability arising out of the
ownership, maintenance, or use of aircraft;

(d) To motor vehicle insurance, nor to insurance against
liability arising out of the ownership, maintenance or use of
motor vehicles.

If any kind of insurance, subdivision or combination there-
of, or type of coverage, subject to this Act, is also subject to
regulation by another rate regulatory act of this State, an
insurer to which both acts are otherwise applicable shall file
with the commissioner, a designation as to which rate regula-
tory act shall be applicable to it with respect to such kind of
insurance, subdivision or combination thereof, or type of
coverage.

3. MAKING OF KATES.

(a) Rates shall be made in accordance with the following
provisions:

1. Manual, minimum, class rates, rating schedules or rating
plans, shall be made and adopted, except in the case of specific
inland marine rates on risks specially rated.