PARRIS N. GLENDENING, Governor                             Ch. 475

conforms to the requirements of this article applicable to such policies. The annual
license fee shall be as provided in § 41. Notice of the existence of a current license shall
be displayed on or above each such vending machine in use in such manner as the
Commissioner may reasonably require.]

[(c)](B) Upon application therefor, the Commissioner shall issue to any
individual qualified in accordance with the provisions of this subtitle, a certificate limited
to the business of selling motor vehicle insurance coverages only, including bodily injury
liability, property damage liability, and automobile physical damage.

[(d)](C) The Commissioner may issue a special restricted certificate, without
regard to education or experience or examination requirements to a person who is
employed by a health maintenance organization solely to solicit membership in the health
maintenance organization pursuant to a contract between the health maintenance
organization and the Department of Health and Mental Hygiene, whereby the
Department obtains prepaid comprehensive health care services for recipients of medical
assistance under § 15-105 of the Health - General Article. The annual license fee shall be
as provided in § 41 of this article.

230.

(b)     A person willfully may not collect as premium or charge for insurance any sum
in excess of or less than the premium or charge applicable to the insurance, in accordance
with the applicable classifications and rates as filed with and approved by the
Commissioner; or, in cases where classifications, premiums, or rates are not required by
this article to be so filed and approved, the premiums and charges shall not be in excess
of or less than those specified in the policy and as fixed by the insurer. This provision may
not be deemed to prohibit the charging and collection, by surplus line brokers licensed
under Subtitle 13 of this article, of the amount of applicable State and federal taxes in
addition to the premium required by the insurer. Nor shall it be deemed to prohibit the
charging and collection by a life insurer, of amounts actually to be expended for medical
examination of an applicant for life insurance or for reinstatement of a life insurance
policy. Nor may it be deemed to prohibit brokers from charging a fee, not to exceed 15
percent of the policy premium, for services rendered in the replacement of insurance in a
company where no commissions are payable by the insurer. Nor shall it be deemed to
prohibit the charging and collection, by agents or brokers, of actual expenses incurred in
the placement of automobile insurance through the Maryland Automobile Insurance
Fund with a maximum charge of $10 plus the actual charge by the Motor Vehicle
Administration for any driving record required to be presented with the application,
unless provided otherwise by the Fund. NOR SHALL IT BE DEEMED TO PROHIBIT THE
CHARGING AND COLLECTION BY AN AUTHORIZED INSURER OF REASONABLE
INSTALLMENT FEES AS APPROVED BY THE COMMISSIONER.

242.

(c)     All rates shall be made in accordance with the following principles:

(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

- 2697 -