WILLIAM DONALD SCHAEFER, Governor Ch. 11

not result in the cancellation or refusal to renew any policies
of insurance; or[,] (2) life, health, surety, wet marine and
title insurance policies.

DRAFTER'S NOTE: This deletes extraneous punctuation in
Article 48A, § 243B(b).

The extraneous punctuation, a comma, was contained in
Ch. 229 of the Acts of 1975.

The extraneous punctuation was noted by the Michie
Company.

240AA.

(b) An insurer intending to take an action subject to the
provisions of this section shall, on or before forty-five days
prior to the proposed effective date of the action, send written
notice of its intended action to the insured at his last known
address. A written notice of cancellation or nonrenewal shall be
sent by certified mail. All other notices of action subject to
the provisions of this section shall be sent by certificate of
mailing. The notice shall be in triplicate, and shall state in
clear and specific terms, on a form approved by the Commissioner:

(i) The proposed action to be taken, including, if
the action is an increase in premium or reduction in coverage,
the amount of increase and the type of coverage to which it is
applicable, or the type of coverage reduced and the extent of the
reduction;

(ii) The proposed effective date of the action;

(iii) The insurer's actual reason or reasons for
proposing to take such action. The statement of reasons shall be
sufficiently clear and specific so that a person of average
intelligence can identify the basis for the insurer's decision,
without making further inquiry. Generalized terms such as
"personal habits," "living conditions," "poor morale," or
"violation or accident record" shall not suffice to meet the
requirements of this section;

(iv) If there is coupled with the notice an offer to
continue or renew the policy in accordance with § 240C-1 [hereof]
OF THIS SUBTITLE, the name of the person or persons to be
excluded from coverage, and what the premium would be if the
policy is continued or renewed with such person or persons
excluded from coverage;

(v) The right of the insured to replace the insurance
through the Maryland Automobile Insurance Fund; and the current
address and telephone number of the fund;

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