(1) Any rate, rating schedule, or rating manual for the liability, personal injury protection, and collision coverages of a motor vehicle insurance policy filed with the office may provide for an appropriate reduction in premium charges as to such coverages when the principal operator on the covered vehicle has successfully completed a driver improvement course approved and certified by the Department of Highway Safety and Motor Vehicles which is effective in reducing crash or violation rates, or both, as determined pursuant to 1s. 318.1451(5). Any discount, not to exceed 10 percent, used by an insurer is presumed to be appropriate unless credible data demonstrates otherwise.
(2) The premium reduction authorized by this section shall be effective for an insured for a 3-year period after successful completion of the approved course, except that the insurer may require, as a condition of maintaining the reduction, that the insured:
(a) Not be involved in an accident for which the insured is at fault; and
(b) Not be convicted of or plead guilty or nolo contendere to a moving traffic violation.
(3) The organization offering the course shall, upon a person’s successful completion of the course, issue the person a certificate that the person may use to qualify for the premium discount authorized by this section.
(4) This section does not apply if the driver improvement course is taken in lieu of a court appearance for a traffic infraction as provided for in s. 318.14(9). However, the five-election restriction enumerated in that section is not applicable to taking the course for the purposes of receiving insurance premium reductions.
History.—s. 1, ch. 97-178; s. 1069, ch. 2003-261.
1Note.—Repealed by s. 14, ch. 99-5.
Structure Florida Statutes
Chapter 627 - Insurance Rates and Contracts
Part I - Rates and Rating Organizations (Ss. 627.011-627.381)
627.031 - Purposes of this part; interpretation.
627.0612 - Administrative proceedings in rating determinations.
627.0621 - Transparency in rate regulation.
627.0625 - Commercial property and casualty risk management plans.
627.06281 - Public hurricane loss projection model; reporting of data by insurers.
627.0629 - Residential property insurance; rate filings.
627.06291 - Excess profits of residential property insurer; return.
627.06292 - Reports of hurricane loss data and associated exposure data; public records exemption.
627.06501 - Insurance discounts for certain persons completing driver improvement course.
627.0651 - Making and use of rates for motor vehicle insurance.
627.0652 - Insurance discounts for certain persons completing safety course.
627.0653 - Insurance discounts for specified motor vehicle equipment.
627.06535 - Electric vehicles; restrictions on imposing surcharges.
627.0654 - Insurance discounts for buildings with fire sprinklers.
627.0655 - Policyholder loss or expense-related premium discounts.
627.066 - Excessive profits for motor vehicle insurance prohibited.
627.0665 - Automatic bank withdrawal agreements; notification required.
627.072 - Making and use of rates.
627.091 - Rate filings; workers’ compensation and employer’s liability insurances.
627.0915 - Rate filings; workers’ compensation, drug-free workplace, and safe employers.
627.0916 - Agricultural horse farms.
627.092 - Workers’ Compensation Administrator.
627.093 - Application of s. 286.011 to workers’ compensation and employer’s liability insurances.
627.096 - Workers’ Compensation Rating Bureau.
627.101 - When filing becomes effective; workers’ compensation and employer’s liability insurances.
627.111 - Effective date of filing.
627.1615 - Workers’ compensation applicant discrimination.
627.191 - Adherence to filings; workers’ compensation and employer’s liability insurances.
627.192 - Workers’ compensation insurance; employee leasing arrangements.
627.211 - Deviations; workers’ compensation and employer’s liability insurances.
627.212 - Workplace safety program surcharge.
627.215 - Excessive profits for commercial property and commercial casualty insurance prohibited.
627.221 - Rating organizations; licensing; fee.
627.231 - Subscribers to rating organizations.
627.251 - Bureau rules not to affect dividends.
627.261 - Actuarial and technical services.
627.285 - Independent actuarial peer review of workers’ compensation rating organization.
627.301 - Advisory organizations.
627.311 - Joint underwriters and joint reinsurers; public records and public meetings exemptions.
627.312 - Transitional provisions.
627.3121 - Public records and public meetings exemptions.
627.313 - Workers’ Compensation Joint Underwriting Plan; audit requirements.
627.314 - Concerted action by two or more insurers.
627.331 - Recording and reporting of loss, expense, and claims experience; rating information.
627.351 - Insurance risk apportionment plans.
627.3511 - Depopulation of Citizens Property Insurance Corporation.
627.3512 - Recoupment of residual market deficit assessments.
627.3513 - Standards for sale of bonds by Citizens Property Insurance Corporation.
627.3515 - Market assistance plan; property and casualty risks.
627.3518 - Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.
627.352 - Security of data and information technology in Citizens Property Insurance Corporation.
627.357 - Medical malpractice self-insurance.