VETOES

(II) ARE AT LEAST 16 YEARS OP AGE AND HOLD A
VALID DRIVER'S LICENSE; AND

(2) MAY NOT BE GRANTED UNLESS THE FIRST NAMED INSURED
AND ANY OTHER INDIVIDUAL NOT EXCLUDED ARE THE OWNERS OF ALL
VEHICLES INSURED UNDER THE POLICY.

(D)  A POLICY ISSUED UNDER THIS SECTION MAY SHALL BE WRITTEN
OR ENDORSED TO SPECIFICALLY EXCLUDE ALL COVERAGE FOR ANY
INDIVIDUAL FOR WHOM AN EXCLUSION MAY BE REQUESTED UNDER THIS
SECTION WHEN THAT INDIVIDUAL IS OPERATING OR USING ANY MOTOR
VEHICLE COVERED BY THE POLICY, WHETHER OR NOT THE OPERATION OR
USE IS WITH THE EXPRESS OR IMPLIED PERMISSION OF AN INSURED UNDER
THE POLICY.

(E)  THE PREMIUMS CHARGED ON ANY POLICY EXCLUDING A NAMED
INDIVIDUAL UNDER THIS SECTION MAY NOT REFLECT THE CLAIMS
EXPERIENCE OR DRIVING RECORD OF THE EXCLUDED INDIVIDUAL.

(F)  THIS SECTION MAY NOT BE CONSTRUED TO AFFECT ANY
PROVISIONS UNDER § 240C-1 OF THIS ARTICLE AS THEY RELATE TO THE
REQUIREMENT THAT AN INSURER MUST OFFER TO CONTINUE A POLICY OF
PRIVATE PASSENGER AUTOMOBILE INSURANCE SUBJECT TO THE EXCLUSION
OF A SPECIFICALLY NAMED INDIVIDUAL IN LIEU OF CANCELING,
NONRENEWING, OR INCREASING THE PREMIUMS OF THE POLICY.

243B.

(a) (1) Subject to the provisions of this subtitle
generally and § 243D of this subtitle in particular, the Fund is
authorized and shall sell, issue, and deliver, upon payment of
the premium set by the Fund, a policy of automobile liability
insurance to any Maryland resident who owns an automobile validly
registered with the Motor Vehicle Administrator, or has a valid
license to operate an automobile issued by the Motor Vehicle
Administrator, and who does not owe to the Fund any unpaid
insurance premium with respect to a prior expired or cancelled
policy, and who either (i) has in good faith attempted to obtain
a policy of automobile liability insurance from at least two
private insurers authorized to write such a policy in this State
and has been rejected or refused such a policy by two such
private insurers for any reason other than nonpayment of
premiums, or (ii) who has had a policy of automobile liability
insurance cancelled or nonrenewed for any reason other than
nonpayment of premiums, by a private insurer authorized to write
such a policy in this State. The purpose of the Fund is to
provide automobile insurance to those eligible [persons]
INDIVIDUALS who are unable to obtain it in the private market.

(2) (I) NOTWITHSTANDING ANY OTHER PROVISION OF THIS
SUBTITLE, THE PROVISIONS OF § 240C-2 OF THIS ARTICLE SHALL APPLY
TO ANY POLICY UNDERWRITTEN OR RENEWED BY THE FUND.

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