(a) A policy or contract of motor vehicle insurance may not be canceled or nonrenewed solely because of:
(1) the age of the holder of the policy or contract; or
(2) the physical handicap or disability of the holder of the policy or contract.
(b) The premium for a policy or contract of motor vehicle insurance may not be increased solely because:
(1) an insured under the policy or contract is older than 65 years of age; or
(2) the holder of the policy or contract has a physical handicap or disability, unless there is actuarial justification for the increase.
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