Government Employees Insurance v. Insurance Commissioner

ROBERT M. BELL, Judge.

We granted certiorari to determine whether an insurer, under whose rate-filings the premiums of drivers who reach age sixty-five automatically increase, albeit for actuarially valid reasons, violates Maryland Code (1957, 1991 Repl.Vol.) Article 48A, section 240F of the Insurance Code. Although Article 48A, section 242 provides that all insurance rates be actuarially justified, section 240F, without reference to the justification for it, prohibits an insurer from increasing premiums for drivers sixty-five years of age and older “exclusively” because of their age. The…