Marvin Mandel, Governor                         227

rate making, by the collection and furnishing of loss or expense
statistics, or by the submission of recommendations, but which does
not make filings under this section, shall be known as an advisory
organization.

(2)  Every advisory organization shall file with the Commis-
sioner (i) a copy of its constitution, its articles [or] of agreement
or association or its certificate of incorporation and of its bylaws,
rules and regulations governing its activities, (ii) a list of its mem-
bers, (iii) the name and address of a resident of this State upon
whom notices or orders of the Commissioner or process issued at
his direction may be served, and (iv) an agreement that the Com-
missioner may examine the advisory organization in accordance
with the provisions of subsection (n).

(3)   If, after a hearing, the Commissioner finds that the furnish-
ing of the information or assistance involves any act or practice
which is unfair or unreasonable or otherwise inconsistent with the
provisions of this section, he may issue a written order specifying
in what respects the act or practice is unfair or unreasonable or
otherwise inconsistent with the provisions of this section, and re-
quiring the discontinuance of the act or practice.

(4)  No insurer which makes its own filings nor any rating or-
ganization shall support its filings by statistics or adopt rate-mak-
ing recommendations, furnished to it by an advisory organization
which has not complied with this subsection or with an order of
the Commissioner involving the statistics or recommendations is-
sued under paragraph (3) of this subsection. If the Commissioner
finds the insurer or rating organization to be in violation of this
paragraph he may issue an order requiring the discontinuance of
the violation.

243.

(1)  Any person, firm or Maryland corporation unable to obtain
automobile and motor vehicle insurance through ordinary methods
shall be eligible for insurance through insurers participating in
the Maryland automobile insurance plan. The plan shall afford ap-
plicants insurance for bodily and property damage liability sufficient
to satisfy the financial responsibility requirements of Article 66½
of this Code. Further, the plan shall afford private passenger auto-
mobiles and motor vehicles not exceeding ¾ ton carrying capacity,
to include, but not limited to, vehicles with a pick-up body, delivery
sedan, camper, or panel truck used exclusively as private passenger
vehicles owned by an individual or individual and spouse with med-
ical payments, fire, theft and collision coverages to such extent that
an applicant will be afforded insurance sufficient to cover the in-
surable interest in a private passenger automobile (less any deduct-
ible provision).

(2)  Agreements may be made among insurers with respect to
the equitable apportionment among them of insurance which may
be afforded applicants who are unable to procure such insurance
through ordinary methods and such insurers may agree among them-
selves on the use of reasonable rate modifications for such insur-
ance, equitable apportionment shall include any and all appropriate
voluntary plans filed by or on behalf of any insurer, group of in-
surers or fleet of insurers if in the opinion of the Commissioner such