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PARRIS N. GLENDENING, Governor
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Ch. 553
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(iii) subject to paragraph (4) of this subsection, the actual reason of
the insurer for proposing to take the action;
(iv) if there is coupled with the notice an offer to continue or renew
the policy in accordance with § 27-606 of this subtitle:
1. the name of the individual or individuals to be excluded
from coverage; and
2. the premium amount if the policy is continued or renewed
with the named individual or individuals 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;
(vi) the right of the insured to protest the proposed action of the
insurer and[, except in the case of a premium increase that is consistent with the
insurer's surcharge plan as filed with the Commissioner and authorized under the
applicable provisions of Title 11 of this article,] OF 15% LESS FOR THE ENTIRE
POLICY, request a hearing before the Commissioner on the proposed action by signing
two copies of the notice and sending them to the Commissioner within 30 days after
the mailing date of the notice;
(vii) EXCEPT FOR A PREMIUM INCREASE OF 15% OR LESS FOR THE
ENTIRE POLICY, that if a protest is filed by the insured, the insurer must maintain the
current insurance in effect until a final determination is made by the Commissioner,
subject to the payment of any authorized premium due or becoming due before the
determination; and
(viii) the authority of the Commissioner to award reasonable
attorney fees to the insured for representation at a hearing if the Commissioner finds
the proposed action of the insurer to be unjustified; AND
(IX) IF THE PROPOSED ACTION IS BASED WHOLLY OR PARTLY ON A
CREDIT SCORE OR INFORMATION FROM A CREDIT REPORT:
1. THE NAME, ADDRESS, AND TELEPHONE NUMBER OF THE
CONSUMER REPORTING AGENCY THAT FURNISHED THE CREDIT REPORT TO THE
INSURER, INCLUDING THE TOLL-FREE TELEPHONE NUMBER ESTABLISHED BY THE
AGENCY IF THE AGENCY COMPILES AND MAINTAINS FILES ON CONSUMERS ON A
NATIONWIDE BASIS;
2. THAT THE CONSUMER REPORTING AGENCY DID NOT
MAKE THE DECISION TO TAKE THE PROPOSED ACTION AND IS UNABLE TO PROVIDE
THE INSURED THE SPECIFIC REASONS WHY THE ACTION IS PROPOSED TO BE TAKEN;
3. THAT THE INSURED MAY OBTAIN, UNDER § 1681 OF THE
FEDERAL FAIR CREDIT REPORTING ACT, A FREE COPY OF THE CREDIT REPORT OF
THE INSURED FROM THE CONSUMER REPORTING AGENCY WITHIN 60 DAYS AFTER
RECEIPT OF THE NOTICE: AND
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- 4173 -
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