(a) Except as provided in subsection (b) of this section, an insurer that issues, sells, or delivers private passenger motor vehicle insurance in the State may not refuse to issue a policy of private passenger motor vehicle insurance to any person who, for the immediately preceding 3 continuous years:

(1) has been insured by the Fund;

(2) has not had a moving traffic violation; and

(3) has not had a chargeable traffic accident.

(b) Subject to § 27-501 of this article, an insurer may refuse to issue a policy under subsection (a) of this section if the person does not satisfy the insurer’s eligibility or underwriting standards.

(c) A person who is entitled to insurance under subsection (a) of this section:

(1) shall be rated by the insurer in the same manner as any other policyholder not previously insured by the Fund having the same risk characteristics; and

(2) may not be surcharged or rated by the insurer solely because the person was insured by the Fund.

(d) (1) At least 60 days before expiration or renewal of a policy of private passenger motor vehicle insurance, the Fund shall provide written notice to each person entitled to insurance under subsection (a) of this section.

(2) The notice shall:

(i) inform the person of the person’s right to insurance under subsection (a) of this section;

(ii) advise the person to contact the fund producer that bound the person’s coverage with the Fund during the most recent coverage period;

(iii) include a copy of a sample rate guide produced by the Administration; and

(iv) provide the toll-free telephone number established under § 2-109 of this article.