Report Title:
Motor Vehicle Rates; Elderly Drivers; Defensive Driver Education
Description:
Requires a premium reduction of at least 10 per cent for drivers who are at least 55 years of age and who complete a driver accident prevention course.
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HOUSE OF REPRESENTATIVES |
H.B. NO. |
812 |
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TWENTY-FOURTH LEGISLATURE, 2007 |
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STATE OF HAWAII |
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A BILL FOR AN ACT
RELATING TO INSURANCE.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Section 286-108.4, Hawaii Revised Statutes, is amended to read as follows:
"[[]§286-108.4 Driver education
and behind-the-wheel driver training program.[]] The director of
transportation is directed to establish and certify a statewide driver
education program and behind-the-wheel driver training program, to include the
number of course hours, curriculum, and certification of teachers and
third-party examiners[.], and an optional accident prevention program
for purposes of section 431:10C-207. The director of transportation is
also directed to set a cost for the programs to enable the programs to be
self-sufficient. The director of transportation shall adopt rules pursuant to
chapter 91 necessary for the purposes of this [[]section[]]."
SECTION 2. Section 431:10C-207, Hawaii Revised Statutes, is amended to read as follows:
"§431:10C-207 Discriminatory practices
prohibited[.]; accident prevention program; exception. (a)
No insurer shall base any standard or rating plan, in whole or in part,
directly or indirectly, upon a person's race, creed, ethnic extraction, age,
sex, length of driving experience, credit bureau rating, marital status, or
physical handicap[.], except as provided in subsection (b).
(b) Notwithstanding subsection (a), beginning January 1, 2008, all authorized insurers transacting motor vehicle insurance in this State shall implement a rate reduction, as provided in this subsection, of not less than ten per cent from the rates filed with the commissioner for all motor vehicle insurance polices in effect on January 1, 2008, and for each new and renewal policy issued thereafter. The reduced rate shall apply to any policyholder who:
(1) Is fifty-five years of age or older; and
(2) Has satisfactorily completed an accident prevention course or a refresher provided by under the department's accident prevention program pursuant to section 286-108.4.
The reduced rate shall be applicable for three years following satisfactory completion of the course, at which time the insured shall be required to retake the course or take a refresher course in order to continue to qualify for the reduced rate."
SECTION 3. Statutory material to be repealed is bracketed and stricken. New statutory material is underscored.
SECTION 4. This Act shall take effect upon its approval.
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INTRODUCED BY: |
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