Print Friendly SENATE BILL NO. 1093 – Insurance, MV, discount, over 55
SENATE BILL NO. 1093
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MOTOR VEHICLE INSURANCE - Amends existing law to reduce to fifty-five years
of age for eligibility for an insurance premium reduction when the insured
has completed a vehicle accident prevention course.
02/09 Senate intro - 1st rdg - to printing
02/12 Rpt prt - to Transp
02/16 Rpt out - to Com/HuRes
|||| LEGISLATURE OF THE STATE OF IDAHO ||||
Fifty-sixth Legislature First Regular Session - 2001
IN THE SENATE
SENATE BILL NO. 1093
BY TRANSPORTATION COMMITTEE
1 AN ACT
2 RELATING TO AUTOMOBILE INSURANCE; AMENDING SECTION 41-2515, IDAHO CODE, TO
3 REDUCE THE AGE FOR WHICH AN INSURANCE DISCOUNT SHALL BE PROVIDED, TO FIX
4 THE DISCOUNT RATE AT TEN PERCENT, TO ELIMINATE A PROVISION PERMITTING PRI-
5 VATE COMPARABLE PREMIUM REDUCTIONS AND TO CORRECT A CODIFIER'S ERROR.
6 Be It Enacted by the Legislature of the State of Idaho:
7 SECTION 1. That Section 41-2515, Idaho Code, be, and the same is hereby
8 amended to read as follows:
9 41-2515. DISCOUNT FOR CERTAIN AGE GROUPS. (1) Any insurer offering for
10 sale an automobile insurance policy, as policy is defined in subsection (a) of
11 section 41-2506, Idaho Code, in which there is insured a principal operator
12 who is sixtyfifty-five ( 655) years of age or older, shall provide for a n
13 appropriate ten percent (10%) reduction in premium charges for liability, med-
14 ical payments and collision coverages if the principal operator
15 sixtyfifty-five ( 655) years of age or older has successfully completed a motor
16 vehicle accident prevention course which meets criteria established by the
17 motor vehicle bureau of the transportation department. However, there shall be
18 no reduction in premiums for completion of a self-instructed course or a
19 course which does not provide for actual classroom or field driving instruc-
20 tion. Any discount used by an insurer shall be presumed appropriate unless
21 credible evidence data demonstrates otherwise.
22 (2) Upon successful completion of an approved motor vehicle accident pre-
23 vention course, each participant shall be issued, by the course's sponsoring
24 entity, a certificate of completion which shall be the basis of the qualifica-
25 tion for the discount on the automobile insurance.
26 (3) The premium reduction required in this section shall be effective for
27 an insured for a three (3) year period after successful completion of the
28 approved course, except that the insurer may require, as a condition of pro-
29 viding and maintaining the discount, that the insured for a three (3) year
30 period after course completion, not be involved in an accident for which the
31 insured is at fault or be found guilty of a moving traffic violation.
32 (4) The provisions of this section shall not apply in the event the
33 approved course is specified by a court or other governmental entity resulting
34 from a moving traffic violation.
35 (5) Each participant shall take an approved course every three (3) years
36 to continue to be eligible for the reduction in premiums.
37 (6) Nothing in the provisions of this section shall be deemed to prohibit
38 an insurer from canceling or not renewing an automobile insurance policy for
39 grounds enumerated in section 41-2507, Idaho Code, or in chapter 25, title 41,
40 Idaho Code.
41 (7) The provisions of this section shall not apply in the event that such
42 an insurer offers a premium reduction which is substantially comparable to the
43 premium reduction required in this section and in no event shall such insurer
1 be required to provide both comparable premium reductions on a cumulative
STATEMENT OF PURPOSE
R. S. 10973
The purpose of this legislation is to amend Section 41-25 15, Idaho Code, to
reduce the age for which an insurance discount shall be provided and to fix the
discount rate at 10 per cent.
There is no fiscal impact to the General Fund or to any unit of local government.
Contact: Jim Hagedorn
P. 0. Box 100
Viola, ID 83872
Senator Gary J. Schroeder
STATEMENT OF PURPOSE/FISCAL IMPACT S 1093