862                               LAWS OF MARYLAND                       [CH. 399

approved in writing shall be on file for a waiting period of 30 days
before it becomes effective. The plan shall be deemed approved unless
disapproved by the Commissioner within the waiting period. Sub-
sequent to the waiting period, the Commissioner may disapprove the
plan on the ground that it does not meet the requirements set forth
in this subsection, but only after a hearing held upon not less than
10 days written notice to every insurer and rating organization
affected specifying the matters to be considered at such hearing, and
only by an order specifying in what respect he finds that the plan
fails to meet such requirements, and stating when within a reason-
able period thereafter the plan shall be deemed no longer effective.
Such order shall not affect any assignment made or policy issued or
made prior to the expiration of the period set forth in said order.
Amendments to the plan shall be prepared, filed and reviewed in
the same manner as herein provided with respect to the original plan
or plans.

If no plan meeting the standards set forth in this subsection is sub-
mitted to the Commissioner within the periods stated in any order
disapproving any existing plan he shall, if necessary to carry out the
purpose of this subsection, after a hearing, prepare and promulgate
a plan meeting such requirements.

When the plan or amendments thereto have been approved or
promulgated, no insurer shall thereafter issue a policy of automobile
or motor vehicle insurance or undertake to transact such business in
this State unless such insurer shall participate in the plan to the
extent of the coverages enumerated in this subsection and as are
inclusive in any filing made by or on behalf of such insurer under
this code. If after hearing, the Commissioner finds that any activity
or practice of any insurer or rating organization in connection with
the operation of the plan is unfair or unreasonable or otherwise in-
consistent with the provisions of this subsection he may issue a
written order specifying in what respects such activity or practice is
unfair or unreasonable or otherwise inconsistent with the provisions
of this subsection and requiring the discontinuance of such activity or
practice.

(4) In addition to the requirements set forth in (3) above and
notwithstanding any provisions of the Maryland automobile insur-
ance plan to the contrary, no such plan may be approved or promul-
gated by the Commissioner which is in conflict with or fails to meet
the following requirements:

(i) The Maryland automobile insurance plan must be in force at
all times and it shall be the duty of the Commissioners to so require
or promulgate such a plan.

(ii) Any applicant who is unable to obtain AUTOMOBILE OR
motor vehicle insurance is to be eligible for insurance under the plan.
Provided however that the plan may designate as ineligible any
unlicensed motor vehicle o