Introduced by Representatives Metzger of Milton, Allard of St. Albans Town, Baker of West Rutland, Endres of Milton, Howrigan of Fairfield, Morrissey of Bennington and Wright of Burlington
Statement of purpose: This bill proposes to authorize reduced auto insurance rates for senior citizens who successfully complete an approved motor vehicle accident prevention course.
AN ACT RELATING TO MOTOR VEHICLE INSURANCE PREMIUM DISCOUNTS FOR SENIOR CITIZENS
It is hereby enacted by the General Assembly of the State of Vermont:
Sec. 1. 8 V.S.A. § 4686a is added to read:
§ 4686a. SENIOR CITIZEN PREMIUM DISCOUNTS ON MOTOR
(a) 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 commissioner shall provide for an appropriate reduction in premium charges for a three‑year period as to such coverages when the principal operator of the covered vehicle is an insured, 55 years of age or older, after successfully completing a motor vehicle accident prevention course approved by the department of motor vehicles. Any discount used by an insurer shall be presumed appropriate unless credible data demonstrate otherwise.
(b) The premium reduction required by this section shall be effective for an insured 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 not be involved in an accident for the duration of the discount for which the insured is at fault.
(c) Upon successfully completing the approved course, each person shall be issued a certificate by the organization offering the course which shall be used to qualify for the premium discount required by this section.
(d) This section shall not apply in the event the approved course is required to be completed by a court or other governmental entity 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 premiums.
(f) This section does not make the completion of an accident prevention course mandatory.
The Vermont General Assembly
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