656

LAWS OF MARYLAND

Ch. 10

(c) With respect to any person excluded from coverage under
this section, the policy may provide that the insurer may not be
held liable for damages, losses, or claims arising out of the
operation or use of the insured motor vehicle, whether or not
that operation or use was with the express or implied permission
of a person insured under the policy.

244B.

Notwithstanding § 242 of this article, this [subsection]
SUBTITLE applies to the establishment of rates for all types of
insurance except:

(1)  Life insurance;

(2)  Annuities;

(3)  Accident and health insurance;

(4)  Marine insurance as described in § 242(b)(2) of
this article;

(5)  Aircraft insurance as described in § 242(b)(3) of
this article;

(6)  Reinsurance;

(7)  Workmen's compensation and employer's liability
insurance written in connection with workmen's compensation;

(8)  Insurance provided under the Maryland Automobile
Insurance Fund, the Maryland State Accident Fund, the Joint
Insurance Association, and the Professional and Executive
Liability Fund;

(9)  Title insurance;

(10)  Medical malpractice insurance;

(11)  Any form or plan of insurance regulated under §
231 of this article; and

(12)  Surety.

244-I.

(e) Whenever an insurer has no legally effective rates as a
result of the Commissioner's disapproval of rates or other act,
the Commissioner [shall] SHALL, on the insurer's [request]
REQUEST, specify interim rates for the insurer that are high
enough to protect the interests of all parties and may order that
a specified portion of the premiums be placed in a special
reserve established by insurer. When new rates become legally
effective, the Commissioner shall order the specially reserved
funds or any overcharge in the interim rates to be distributed