Section 11-214 - Statement of rate classifications(a) Each insurer that provides a private passenger automobile insurance policy shall provide to the policyholder at the time of issuance or renewal of the policy a statement that: (1) defines the policyholder's rate classifications; and(2) if the insurer is an authorized insurer, includes a summary, in a form approved by the Commissioner, of the insurer's approved surcharge plan or driver record point plan for that policy.(b) The statement must be sufficiently clear and specific so that an individual of average intelligence can identify the classifications without making further inquiry.