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

§2902-G.__Discounted premiums for older drivers

1.__Discount; accident prevention course required.__Any rates, rating schedules or rating manuals for the liability, personal injury protection and collision coverages of a motor vehicle insurance policy submitted to or filed with the bureau must provide for a 10% reduction in premium charges for such coverages for a 3-year period when the principal operator of the covered vehicle is an insured 55 years of age or older who successfully completes a motor vehicle accident prevention course approved by the Department of the Secretary of State, Bureau of Motor Vehicles.

2.__Condition. The premium reduction required by subsection 1 is effective for a 3-year period after an insured 55 years of age or older successfully completes an approved motor vehicle accident prevention course, except that the insurer may require, as a condition of providing and maintaining the discount, that the insured not be involved in an accident for which the insured is at fault for a 3-year period after the course is completed.

3.__Qualification; certificate.__An organization offering an approved motor vehicle accident prevention course used to qualify for the premium discount required by subsection 1 shall issue a certificate to a person who successfully completes the course.

4.__Application.__An insured is not eligible for the premium discount under subsection 1 when the insured is required by a court or other government entity to complete the approved motor vehicle accident prevention course because the insured has committed a moving traffic violation.

5.__Eligibility.__An insured must pass an approved motor vehicle accident prevention course every 3 years to continue to be eligible for the premium discount.

SUMMARY

This bill requires insurance companies to provide a driver 55 years of age or older a 10% discount on premium charges if the insured completes an accident prevention course approved by the Department of the Secretary of State, Bureau of Motor Vehicles.