To amend chapter 379, RSMo, by adding thereto one new section relating to insurance discounts for motor vehicle driving courses.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF MISSOURI,

AS FOLLOWS:

Section A. Chapter 379, RSMo, is amended by adding thereto one new section, to be known as section 379.202, to read as follows:

379.202. 1. Any rates, rating schedules, or rating manuals for the liability, personal injury protection or collision coverage on a motor vehicle insurance policy submitted to or filed by an insurer with the director of the department of insurance shall provide for an appropriate reduction in premium charges as to such coverage when the principal operator on the covered vehicle is an insured fifty-five years of age or older who has successfully completed a motor vehicle accident prevention course approved by the department of revenue. Any discount used by an insurer shall be presumed appropriate unless credible data demonstrates otherwise.

2. 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 for a three-year period after course completion not be involved in an accident for which the insured is at fault.

3. 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.

4. This section shall not apply in the event the approved course is required by a court or other governmental entity resulting from a moving traffic violation.

5. Each participant shall take an approved course every three years to continue to be eligible for the reduction in premiums.