This regulation prohibits a change in classification, coverage, or pre mium of or a refusal to renew an insurance policy on a private passen ger automobile due to its use in a car pool. The use of a share-the-cost arrangement among the car pool members shall not be cause for subjecting the car to classification as a public or livery conveyance.
1. Changes in classification
Whenever an approved Private Passenger classification system used by a Company licensed to write Automobile Insurance in the State of Maine includes a rating criterion based upon use of the automobile in going to and from work, use of an automobile in a car pool (when no other rating criteria change) shall not result in a change of classification nor affect the coverage or premium.
2. Refusals to renew
No Company shall refuse to renew an Automobile Insurance Policy on the basis of use of the automobile in a car pool.
3. Public or livery conveyance classification
Payments among the members of a car pool under a share-the-cost arrangement usually found in connection with such use of automobiles shall not constitute a consideration that would subject the private passenger car to classification as a public or livery conveyance.
EFFECTIVE DATE (ELECTRONIC CONVERSION): January 14, 1997
