Bill Text: NY A04656 | 2015-2016 | General Assembly | Introduced
Bill Title: Provides that reduction in auto insurance premium for insured who completes defensive driving course shall not be less than fifteen percent.
Spectrum: Slight Partisan Bill (Democrat 14-5)
Status: (Introduced - Dead) 2016-01-06 - referred to insurance [A04656 Detail]
Download: New_York-2015-A04656-Introduced.html
S T A T E O F N E W Y O R K ________________________________________________________________________ 4656 2015-2016 Regular Sessions I N A S S E M B L Y February 5, 2015 ___________ Introduced by M. of A. COLTON, BENEDETTO, GUNTHER, CYMBROWITZ, ENGLE- BRIGHT, HOOPER -- Multi-Sponsored by -- M. of A. ABBATE, FINCH, McDO- NOUGH, McKEVITT, PEOPLES-STOKES, RAIA, SALADINO, THIELE, ZEBROWSKI -- read once and referred to the Committee on Insurance AN ACT to amend the insurance law, in relation to premium reductions for motor vehicle liability, comprehensive and collision insurance THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM- BLY, DO ENACT AS FOLLOWS: 1 Section 1. Subsection (a) of section 2336 of the insurance law, as 2 amended by chapter 751 of the laws of 2005, is amended to read as 3 follows: 4 (a) Any schedule of rates or rating plan for motor vehicle liability 5 and collision insurance submitted to the superintendent shall provide 6 for an appropriate reduction in premium charges for any insured for a 7 three year period after successfully completing a motor vehicle accident 8 prevention course, known as the national safety council's defensive 9 driving course, or any driver improvement course approved by the depart- 10 ment of motor vehicles as being equivalent to the national safety coun- 11 cil's defensive driving course, provided that, except as provided in 12 article twelve-C of the vehicle and traffic law, there shall be no 13 reduction in premiums for a self instruction defensive driving course or 14 a course which does not provide for actual classroom instruction for a 15 minimum number of hours as determined by the department of motor vehi- 16 cles. Such reduction in premium charges shall be subsequently modified 17 to the extent appropriate, based upon analysis of loss experience 18 statistics and other relevant factors. All such accident prevention 19 courses shall be monitored by the department of motor vehicles and shall 20 include components of instruction in "Road Rage" awareness and in "Work 21 Zone Safety" awareness as defined by the commissioner of motor vehicles. 22 The provisions of this section shall not apply to attendance at a 23 program pursuant to article twenty-one of the vehicle and traffic law as EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD06449-02-5 A. 4656 2 1 a result of any traffic infraction. IN NO EVENT SHALL THE REDUCTION IN 2 PREMIUM CHARGES FOR ANY INSURED SUCCESSFULLY COMPLETING THE DEFENSIVE 3 DRIVING COURSE AS SET FORTH ABOVE BE LESS THAN FIFTEEN PERCENT. 4 S 2. Subsection (a) of section 2336 of the insurance law, as amended 5 by chapter 585 of the laws of 2002, is amended to read as follows: 6 (a) Any schedule of rates or rating plan for motor vehicle liability 7 and collision insurance submitted to the superintendent shall provide 8 for an appropriate reduction in premium charges for any insured for a 9 three year period after successfully completing a motor vehicle accident 10 prevention course, known as the national safety council's defensive 11 driving course, or any driver improvement course approved by the depart- 12 ment of motor vehicles as being equivalent to the national safety coun- 13 cil's defensive driving course, provided that in either event there 14 shall be no reduction in premiums for a self instruction defensive driv- 15 ing course or a course which does not provide for actual classroom 16 instruction for a minimum number of hours as determined by the depart- 17 ment of motor vehicles. Such reduction in premium charges shall be 18 subsequently modified to the extent appropriate, based upon analysis of 19 loss experience statistics and other relevant factors. All such accident 20 prevention courses shall be monitored by the department of motor vehi- 21 cles and shall include components of instruction in "Road Rage" aware- 22 ness and in "Work Zone Safety" awareness as defined by the commissioner 23 of motor vehicles. The provisions of this section shall not apply to 24 attendance at a program pursuant to article twenty-one of the vehicle 25 and traffic law as a result of any traffic infraction. IN NO EVENT 26 SHALL THE REDUCTION IN PREMIUM CHARGES FOR ANY INSURED SUCCESSFULLY 27 COMPLETING THE DEFENSIVE DRIVING COURSE AS SET FORTH ABOVE BE LESS THAN 28 FIFTEEN PERCENT. 29 S 3. This act shall take effect on the first of January next succeed- 30 ing the date on which it shall have become a law; provided that the 31 amendments to subsection (a) of section 2336 of the insurance law made 32 by section one of this act shall be subject to the expiration and rever- 33 sion of such subsection pursuant to section 5 of chapter 751 of the laws 34 of 2005, as amended, when upon such date the provisions of section two 35 of this act shall take effect.