3430

LAWS OF MARYLAND

Ch. 737

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.

244E.

(A)  (1) EACH AUTHORIZED INSURER, AND EVERY RATING
ORGANIZATION LICENSED UNDER § 242(G) OF THIS ARTICLE WHICH HAS
BEEN DESIGNATED BY AN INSURER FOR THE FILING OF RATES UNDER §
244G OF THIS SUBTITLE, SHALL FILE WITH THE COMMISSIONER ALL RATES
AND SUPPLEMENTARY RATE INFORMATION AND ALL CHANGES AND AMENDMENTS
THEREOF MADE BY IT FOR USE IN THIS STATE BY THE DATE THEY BECOME
EFFECTIVE.

(2) RATES AND SUPPLEMENTARY RATE INFORMATION NEED NOT
BE FILED FOR INLAND MARINE RISKS WHICH BY GENERAL CUSTOM ARE NOT
WRITTEN ACCORDING TO MANUAL RULES OR RATING PLANS.

(B)  AN INSURER MAY NOT MAKE OR ISSUE A CONTRACT OR POLICY
OF INSURANCE OF THE KIND TO WHICH THIS SUBTITLE APPLIES, EXCEPT
IN ACCORDANCE WITH THE FILINGS WHICH ARE IN EFFECT FOR THE
INSURER AS PROVIDED IN THIS SUBTITLE.

244F.

EACH FILING AND ANY SUPPORTING INFORMATION FILED UNDER THIS
SUBTITLE SHALL, AS SOON AS FILED, BE OPEN TO PUBLIC INSPECTION.
COPIES MAY BE OBTAINED BY ANY PERSON ON REQUEST AND UPON PAYMENT
OF A REASONABLE CHARGE.

244G.

(A)  AN INSURER MAY ITSELF ESTABLISH RATES AND SUPPLEMENTARY
RATE INFORMATION BASED ON THE FACTORS IN § 244D OF THIS SUBTITLE
OR IT MAY USE RATES AND SUPPLEMENTARY RATE INFORMATION PREPARED
BY A RATING ORGANIZATION, WITH AVERAGE LOSS FACTORS OR EXPENSE
FACTORS DETERMINED BY THE RATING ORGANIZATION OR WITH SUCH
MODIFICATION FOR ITS OWN EXPENSE AND LOSS EXPERIENCE AS THE
CREDIBILITY OF THAT EXPERIENCE ALLOWS.

(B)  AN INSURER MAY DISCHARGE ITS OBLIGATIONS UNDER §244D OF
THIS SUBTITLE BY GIVING NOTICE TO THE COMMISSIONER THAT IT USES
RATES AND SUPPLEMENTARY RATE INFORMATION PREPARED AND FILED WITH
THE COMMISSIONER BY A DESIGNATED RATING ORGANIZATION OF WHICH IT
IS A MEMBER OR SUBSCRIBER WITH SUCH INFORMATION ABOUT
MODIFICATIONS THEREOF AS ARE NECESSARY FULLY TO INFORM THE
COMMISSIONER. THE INSURER'S RATES AND SUPPLEMENTARY RATE
INFORMATION SHALL BE THOSE FILED FROM TIME TO TIME BY THE RATING
ORGANIZATION INCLUDING ANY AMENDMENTS THERETO AS FILED, SUBJECT,
HOWEVER, TO MODIFICATIONS FILED BY THE INSURER.