2005 Idaho Code - 41-2515 — DISCOUNT FOR CERTAIN AGE GROUPS

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 25
                         CASUALTY INSURANCE CONTRACTS
    41-2515.  DISCOUNT FOR CERTAIN AGE GROUPS. (1) Any insurer offering for
sale an automobile insurance policy, as policy is defined in subsection (a) of
section 41-2506, Idaho Code, in which there is insured a principal operator
who is fifty-five (55) years of age or older, shall provide for an appropriate
reduction in premium charges for liability, medical payments and collision
coverages if the principal operator fifty-five (55) years of age or older has
successfully completed a motor vehicle accident prevention course which meets
criteria established by the transportation department. Any discount used by an
insurer shall be presumed appropriate unless credible evidence data
demonstrates otherwise.
    (2)  Upon successful completion of an approved motor vehicle accident
prevention course, each participant shall be issued, by the course's
sponsoring entity, a certificate of completion which shall be the basis of the
qualification for the discount on the automobile insurance.
    (3)  The premium reduction required in this section shall be effective for
an insured for a three (3) 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 for a three (3) year
period after course completion, not be involved in an accident for which the
insured is at fault or be found guilty of a moving traffic violation.
    (4)  The provisions of this section shall not apply in the event the
approved course is specified by a court or other governmental entity resulting
from a moving traffic violation.
    (5)  Each participant shall take an approved course every three (3) years
to continue to be eligible for the reduction in premiums.
    (6)  Nothing in the provisions of this section shall be deemed to prohibit
an insurer from canceling or not renewing an automobile insurance policy for
grounds enumerated in section 41-2507, Idaho Code, or in chapter 25, title 41,
Idaho Code.
    (7)  The provisions of this section shall not apply in the event that such
an insurer offers a premium reduction which is substantially comparable to the
premium reduction required in this section and in no event shall such insurer
be required to provide both comparable premium reductions on a cumulative
basis.