No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance which provides coverage for the personal motor vehicles of any law enforcement officer, firefighter, or emergency medical technician in this state for any accident:

(1) Which occurred while the law enforcement officer, firefighter, or emergency medical technician was lawfully engaged in the performance of official duties;

(2) Which occurred while the law enforcement officer, firefighter, or emergency medical technician was driving an official vehicle; and

(3) For which the law enforcement officer, firefighter, or emergency medical technician furnishes proof, in the form of copies of the employing agency's documents, to the insurer of the conditions provided in paragraphs (1) and (2) of this Code section.