Sec. 1. 24-A MRSA §2902-G is enacted to read:

§2902-G.__Motor vehicle liability insurance on multiple vehicles

1.__Coverage for number of licensed drivers.__Upon the receipt of a waiver pursuant to subsection 2, an insurer may not impose a premium for motor vehicle liability insurance covering multiple motor vehicles owned or operated by a named insured or a family member of the insured except in accordance with this subsection.__ While the insurance policy must provide coverage for each motor vehicle owned or operated by the named insured or a family member of the insured, the premium charged to the named insured may not be imposed for more motor vehicles than there are licensed drivers in the named insured's family. The premium may be based on the highest risk motor vehicles owned or operated by the named insured or a family member of the named insured in descending order until the number of licensed drivers is matched.

2.__Waiver. To obtain a motor vehicle insurance policy described in subsection 1, an insured or applicant for motor vehicle liability insurance shall provide a written waiver to the insurer agreeing to an exclusion of coverage under the policy for any claims arising out of the operation of a motor vehicle insured under the policy by a person other than the named insured or family member of the insured unless the person operating the motor vehicle is accompanied by the named insured or a family member of the insured.

3. Application.__This section does not apply to a motor vehicle liability insurance policy covering 4 or more motor vehicles.

SUMMARY

This bill allows owners of multiple motor vehicles to obtain motor vehicle liability insurance for the number of licensed drivers in a family rather than the number of motor vehicles subject to certain conditions.