WILLIAM DONALD SCHAEFER, Governor Ch. 747

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 morals", or
"violation or accident record" shall not suffice to meet the
requirements of this section;                                                             

(4) If there is coupled with the notice an offer to
continue or renew the policy in accordance with § 240C-1 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;

(5) 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;

(6)  The right of the insured to protest the proposed
action and request a hearing thereon before the Commissioner by
signing 2 copies of the notice and sending them to the
Commissioner within 10 days after receipt of the notice;

(7)  That if a protest is filed by the insured, the
current insurance will remain in effect until a determination is
made, by the Commissioner upon payment of any lawful premium due
or becoming due prior to the determination; and

(8)  The authority of the Commissioner to award
reasonable counsel fees to the insured for services rendered to
the insured in connection with any such hearing if he finds the
proposed action of the insurer to be unjustified.

Chapter 455 of the Acts of the General Assembly of 1987

SECTION 3. AND BE IT FURTHER ENACTED, That this Act shall
take effect July 1, 1987. [It shall remain effective for a
period of two years and, at the end of June 30, 1989, and with no
further action required by the General Assembly, shall be
abrogated and of no further force and effect.]

SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall
take effect July 1, 1989.

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