Report Title:
Motor Vehicle Insurance
Description:
Requires motor vehicle insurers to reduce the rates of individuals who successfully complete a driver improvement course. (SD1)
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THE SENATE |
S.B. NO. |
2286 |
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TWENTY-FOURTH LEGISLATURE, 2008 |
S.D. 1 |
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STATE OF HAWAII |
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A BILL FOR AN ACT
RELATING TO MOTOR VEHICLE INSURANCE.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. Chapter 431, Hawaii Revised Statutes, is amended by adding a new section to article 10C to be appropriately designated and to read as follows:
"§431:10C‑ Reduction in premium charges. (a) Any rates, rating schedules, or rating manuals for liability, personal injury protection, and collision coverages under a motor vehicle insurance policy submitted to or filed with the insurance commissioner shall provide an appropriate reduction in premium charges as to those coverages for a three-year period when the principal operator of the covered vehicle has successfully completed a motor vehicle accident prevention course approved by the department of transportation. Any discount used by an insurer shall be presumed appropriate unless credible data demonstrates otherwise.
(b) The premium reduction required by this section shall be effective for an insured for a three-year period after successful completion of the approved course, except that the insurer may require, as a condition of providing and maintaining the discount, that the insured may not be involved in an accident for which the insured is at fault for the duration of the three-year, reduced-premium period.
(c) Upon successful completion of the approved course, each person shall be issued a certificate by the organization offering the course that shall be used to qualify for the premium discount required by this section.
(d) This section shall not apply in the event that the approved course is specified by a court or other governmental entity as being required as a result of a moving traffic violation.
(e) Each participant shall take an approved course every three years to continue to be eligible for the reduction in premium charges."
SECTION 2. New statutory material is underscored.
SECTION 3. This Act shall take effect upon its approval.