Bill S1485-2013

Requires an appropriate reduction in premium charges for any insured that completes any driver education curriculum at any high school

Requires an appropriate reduction in premium charges for any insured that completes any driver education curriculum at any high school.

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  • Jan 8, 2014: REFERRED TO INSURANCE
  • Jan 9, 2013: REFERRED TO INSURANCE

Memo

BILL NUMBER:S1485

TITLE OF BILL: An act to amend the insurance law, in relation to requiring an appropriate reduction in premium charges for any insured that completes any driver education curriculum at any high school

PURPOSE: This bill will require an appropriate reduction in premium charges for any insured that completes any driver education curriculum at any high school.

SUMMARY OF PROVISIONS: Subsection (a) of section 2336 of the insurance law, as amended by Chapter 751 of the laws of 2005 and Chapter 585 of 2002 are amended to provide an appropriate reduction in premium charges for any insured that completes any driver education curriculum at any high school.

JUSTIFICATION: Held at high schools and approved by the New York State Education Department, driver education courses are comprehensive programs that include both classroom training and in-car driving instruction and practice.

These courses provide young drivers with more hours of classroom education than other pre-licensing courses and are invaluable tools in shaping safe drivers. The in depth nature of these courses should be recognized and the insurance discount that is provided to defensive driving courses should be extended to those drivers who successfully complete such the driver education curriculum.

LEGISLATIVE HISTORY: S.6396 of 2012.

FISCAL IMPLICATIONS: None.

EFFECTIVE DATE: This act shall take effect on the first of January next succeeding the date on which it shall have become a law; provided that section one of this act shall expire on the same date and in the same manner as section 1 of chapter 751 of the laws of 2005, as amended, expires, when upon such date section two of this act shall take effect.


Text

STATE OF NEW YORK ________________________________________________________________________ 1485 2013-2014 Regular Sessions IN SENATE (PREFILED) January 9, 2013 ___________
Introduced by Sen. MARCELLINO -- read twice and ordered printed, and when printed to be committed to the Committee on Insurance AN ACT to amend the insurance law, in relation to requiring an appropri- ate reduction in premium charges for any insured that completes any driver education curriculum at any high school THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM- BLY, DO ENACT AS FOLLOWS: Section 1. Subsection (a) of section 2336 of the insurance law, as amended by chapter 751 of the laws of 2005, is amended to read as follows: (a) Any schedule of rates or rating plan for motor vehicle liability and collision insurance submitted to the superintendent shall provide for an appropriate reduction in premium charges for any insured for a three year period after successfully completing: (I) a motor vehicle accident prevention course, known as the national safety council's defensive driving course, [or] (II) any driver improvement course approved by the department of motor vehicles as being equivalent to the national safety council's defensive driving course, OR (III) THE DRIVER EDUCATION COURSE PRESCRIBED BY THE COMMISSIONER OF MOTOR VEHICLES PURSU- ANT TO SUBDIVISION FOUR OF SECTION FIVE HUNDRED TWO OF THE VEHICLE AND TRAFFIC LAW, provided that, except as provided in article twelve-C of the vehicle and traffic law, there shall be no reduction in premiums for a self instruction defensive driving course or a course which does not provide for actual classroom instruction for a minimum number of hours as determined by the department of motor vehicles. Such reduction in premium charges shall be subsequently modified to the extent appropri- ate, based upon analysis of loss experience statistics and other rele- vant factors. All such accident prevention courses shall be monitored by the department of motor vehicles and shall include components of instruction in "Road Rage" awareness and in "Work Zone Safety" awareness
as defined by the commissioner of motor vehicles. The provisions of this section shall not apply to attendance at a program pursuant to article twenty-one of the vehicle and traffic law as a result of any traffic infraction. S 2. Subsection (a) of section 2336 of the insurance law, as amended by chapter 585 of the laws of 2002, is amended to read as follows: (a) Any schedule of rates or rating plan for motor vehicle liability and collision insurance submitted to the superintendent shall provide for an appropriate reduction in premium charges for any insured for a three year period after successfully completing: (I) a motor vehicle accident prevention course, known as the national safety council's defensive driving course, [or] (II) any driver improvement course approved by the department of motor vehicles as being equivalent to the national safety council's defensive driving course, OR (III) THE DRIVER EDUCATION COURSE PRESCRIBED BY THE COMMISSIONER OF MOTOR VEHICLES PURSU- ANT TO SUBDIVISION FOUR OF SECTION FIVE HUNDRED TWO OF THE VEHICLE AND TRAFFIC LAW, provided that in either event there shall be no reduction in premiums for a self instruction defensive driving course or a course which does not provide for actual classroom instruction for a minimum number of hours as determined by the department of motor vehicles. Such reduction in premium charges shall be subsequently modified to the extent appropriate, based upon analysis of loss experience statistics and other relevant factors. All such accident prevention courses shall be monitored by the department of motor vehicles and shall include components of instruction in "Road Rage" awareness and in "Work Zone Safety" awareness as defined by the commissioner of motor vehicles. The provisions of this section shall not apply to attendance at a program pursuant to article twenty-one of the vehicle and traffic law as a result of any traffic infraction. S 3. This act shall take effect on the first of January next succeed- ing the date on which it shall have become a law; provided that section one of this act shall expire on the same date and in the same manner as section 1 of chapter 751 of the laws of 2005, as amended, expires, when upon such date section two of this act shall take effect.

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