Ch. 35

1997 LAWS OF MARYLAND

(I) OF A STYLE IN GENERAL USE; AND

(II) IN A SIZE THAT IS UNIFORM AND NOT LESS THAN 10 POINT
WITH A LOWER CASE UNSPACED ALPHABET LENGTH NOT LESS THAN 120 POINT.

(E) EXCEPTIONS AND REDUCTIONS.

(1) THE EXCEPTIONS AND REDUCTIONS OF INDEMNITY SHALL BE SET
FORTH IN THE POLICY.

(2) OTHER THAN THOSE CONTAINED IN §§ 15-207 THROUGH 15-228 OF
THIS SUBTITLE, AND EXCEPT AS PROVIDED IN PARAGRAPH (3) OF THIS SUBSECTION,
THE EXCEPTIONS AND REDUCTIONS SHALL BE PRINTED AT THE INSURER'S OPTION:

(I) WITH THE BENEFIT PROVISIONS TO WHICH THEY APPLY; OR

(II) UNDER AN APPROPRIATE CAPTION SUCH AS "EXCEPTIONS" OR
"EXCEPTIONS AND REDUCTIONS".

(3) IF AN EXCEPTION OR REDUCTION SPECIFICALLY APPLIES ONLY TO
A PARTICULAR BENEFIT OF THE POLICY, A STATEMENT OF THE EXCEPTION OR
REDUCTION SHALL BE INCLUDED WITH THE BENEFIT PROVISION TO WHICH IT

APPLIES.

(F) FORM NUMBER IDENTIFICATION.

EACH FORM OF A POLICY, INCLUDING RIDERS AND ENDORSEMENTS, SHALL BE
IDENTIFIED BY A FORM NUMBER IN THE LOWER LEFT-HAND CORNER OF THE FIRST

PAGE.

(G) INCORPORATION OF OTHER DOCUMENTS.

(1) EXCEPT AS PROVIDED IN PARAGRAPH (2) OF THIS SUBSECTION, A
POLICY MAY NOT CONTAIN A PROVISION THAT PURPORTS TO INCORPORATE IN THE
POLICY A PART OF THE CHARTER, RULES, CONSTITUTION, OR BYLAWS OF THE
INSURER UNLESS THE PART IS SET FORTH IN FULL IN THE POLICY.

(2) A STATEMENT OF RATES, CLASSIFICATION OF RISKS, OR
SHORT-RATE TABLE THAT IS FILED WITH THE COMMISSIONER MAY BE REFERRED
TO OR INCORPORATED IN THE POLICY WITHOUT BEING SET FORTH IN FULL.

(H) NOTICE OF CANCELLATION OPTION AND REFUND.

(1) SUBJECT TO PARAGRAPH (2) OF THIS SUBSECTION, A NOTICE SHALL
BE PROMINENTLY PRINTED ON OR ATTACHED TO THE FACE OF THE POLICY THAT
STATES THAT:

(I) THE POLICY MAY BE SURRENDERED TO THE INSURER FOR
CANCELLATION WITHIN 10 DAYS AFTER THE DATE THE POLICY IS DELIVERED TO
THE INSURED; AND

(II) IF A POLICY IS CANCELED DURING THE 10-DAY PERIOD, A PRO
RATA PREMIUM FOR THE UNEXPIRED TERM OF THE POLICY SHALL BE RETURNED
TO THE INSURED.

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