(a) A rating plan regarding the writing of automobile insurance, other than insurance written under Chapter 2151, may not:
(1) assign a rate consequence to a charge or conviction for a violation of Subtitle C, Title 7, Transportation Code; or
(2) otherwise cause premiums for automobile insurance to be increased because of a charge or conviction described by Subdivision (1).
(b) A rating plan regarding the writing of personal automobile insurance may not:
(1) assign a rate consequence solely to:
(A) a consumer inquiry, as defined by Section 544.551, made by an applicant or insured; or
(B) a claim filed by an insured under a personal automobile insurance policy that is not paid or payable under the policy; or
(2) otherwise cause premiums for personal automobile insurance to be increased solely because of an inquiry or claim described by Subdivision (1).