(1) The purpose of these rules is to prevent unfair discrimination in personal automobile insurance based solely on an applicant's lack of prior insurance at the time of application for insurance with any insurer. These rules prohibit unfair discrimination in underwriting such applicants by insurers, both in determining eligibility for insurance and in the pricing of such insurance.

(2) These rules apply to all coverages, including applicable deductible options and policy limit's, in an automobile insurance policy issued to individuals or families. This includes any policy commonly known as an automobile policy, private passenger automobile policy, or any similar policy by whatever name, but does not include policies known as commercial automobile policies.

(3) These rules will support greater compliance with the Unfair Trade Practices Act, 33-15-101 , et seq., MCA.