3424

LAWS OF MARYLAND

Ch. 737

[(7) (i) No insurer under an automobile liability
insurance policy may classify or maintain an insured in a
classification entailing a higher premium because of a specific
claim for a period longer than three years, and no such insurer
may classify or maintain an insured in a classification entailing
a higher premium because of the insured's driving record for a
period longer than three years. However the removal of a
discount may not be considered a violation of this subsection.

(ii) An insurer's automobile and physical
damage insurance premiums shall reflect the reduction in claims,
if any, which is attributable to the requirement that drivers
under the age of 18 must acquire a provisional driver's license
before acquiring a driver's license.

(iii) An insurer under an automobile insurance
policy may not consider accident reports and abstracts of court
convictions pertaining to driving an emergency vehicle that are
on record with the Motor Vehicle Administration, as provided in
Section 16-117(b)(3) of the Transportation Article, for purposes
of reclassifying an insured in a classification entailing a
higher premium.

(iv) An insurer under an automobile insurance
policy may not consider a probation before judgment disposition
of a motor vehicle law offense on record with the Motor Vehicle
Administration, as provided in Section 16-117(b) of the
Transportation Article, for purposes of reclassifying an insured
in a classification entailing a higher premium.

(v) If the insured notifies the insurer under
an automobile insurance policy of a change in circumstances that
justifies reclassifying the insured in a different classification
or territory, the insurer shall adjust the premium charged the
insured from the date of notification.]

[(8) An insurer may provide a reduction in rates
based on actuarial justification, for motor vehicle personal
injury and property damage coverage, to an insured who:

(i) Is at least 55 years of age; and

(ii) Within the last 2 years, has completed
successfully a course in accident prevention:

1.   That is approved by the Motor Vehicle
Administration;

2.   That includes classroom instruction or
practice driving of the number of hours that the Motor Vehicle
Administration requires; and

3.   For which the insured has received a
certificate that certifies the completion of the course.]