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: has been insured by the Fund; has not had a moving traffic violation; and has not had a chargeable traffic accident. 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. A person who is entitled to insurance under subsection (a) of this section: 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 may not be surcharged or rated by the insurer solely because the person was insured by the Fund. 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. The notice shall: inform the person of the person’s right to insurance under subsection (a) of this section; advise the person to contact the fund producer that bound the person’s coverage with the Fund during the most recent coverage period; include a copy of a sample rate guide produced by the Administration; and provide the toll-free telephone number established under § 2-109 of this article.