Bill Text: MS HB1343 | 2013 | Regular Session | Introduced
Bill Title: Insurance, motor vehicle; require 10% premium discount for certain older drivers.
Spectrum: Partisan Bill (Democrat 1-0)
Status: (Failed) 2013-02-05 - Died In Committee [HB1343 Detail]
Download: Mississippi-2013-HB1343-Introduced.html
MISSISSIPPI LEGISLATURE
2013 Regular Session
To: Judiciary A
By: Representative Dixon
House Bill 1343
AN ACT TO AMEND SECTION 63-15-46, MISSISSIPPI CODE OF 1972, TO REQUIRE THE PREMIUM DISCOUNT FOR CERTAIN OLDER DRIVERS TO BE TEN PERCENT; AND FOR RELATED PURPOSES.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MISSISSIPPI:
SECTION 1. Section 63-15-46, Mississippi Code of 1972, is amended as follows:
63-15-46. (1) Any rates,
rating schedules, or rating manuals for the liability, personal injury
protection and collision coverages of a motor vehicle insurance policy shall
provide for * * * a ten percent (10%) reduction in premium charges
as to such coverages when the principal operator of the covered vehicle is an
insured fifty-five (55) years of age or older who has successfully completed a
motor vehicle accident prevention course approved by the Department of Public
Safety. * * *
(2) The premium reduction required by this section shall be effective for an insured for a period of three (3) years after successful completion of the approved course, except that the insurer may require, as a condition of maintaining the discount, that the insured:
(a) Not be involved in an accident for which the insured is at fault; and
(b) Not be convicted, plead guilty or plead nolo contendere to a moving traffic violation.
(3) Motor vehicle accident prevention courses for the purposes of this section shall be subject to the approval of the Department of Public Safety. The department shall consider the competency of the personnel offering the course, the quality of the content and activities of the course with respect to its capability to prevent accidents by persons fifty-five (55) years of age or older who complete the course, and the reasonableness of the fee for the course. The department shall establish the minimum number of hours necessary for completion of a course. A course approved by the department shall require persons completing the course to pass a written test evaluating the person's knowledge of the content of the course.
(4) 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.
(5) This section shall not apply in the event the approved course is taken as punishment specified by a court or other governmental entity resulting from a moving traffic violation.
(6) This section shall apply to policies issued or renewed after January 1, 1988.
SECTION 2. This act shall take effect and be in force from and after July 1, 2013, and it shall apply to policies issued or renewed after July 1, 2013.
