{"data":{"id":"us-me/24-a-m.r.s.-2902-g","jurisdiction":"us-me","citation":"24-A M.R.S. §2902-G","heading":"Discounted premiums for older drivers","body":"1.  Discount; accident prevention course required.  Any rates, rating schedules or rating manuals for the liability, personal injury protection and collision coverages of a motor vehicle insurance policy submitted to or filed with the bureau must provide for an appropriate discount in premium charges for such coverages for a 3-year period when the principal operator of the covered vehicle is an insured 55 years of age or older who successfully completes a motor vehicle accident prevention course approved by the Department of Public Safety, Bureau of Highway Safety.\n2.  Condition.  The premium reduction required by subsection 1 is effective for a 3-year period after an insured 55 years of age or older successfully completes an approved motor vehicle accident prevention course, except that the insurer may require, as a condition of providing and maintaining the discount, that for a 3-year period after the course is completed:\nA.  The insured or a member of the insured's household insured under the policy not be involved in an accident for which the insured is at fault;\nB.  The insured or a member of the insured's household insured under the policy not have committed a moving violation as defined in Title 29‑A, section 101, subsection 44; or\nC.  The insured or a member of the insured's household insured under the policy not be subject to a driver's license suspension.\n3.  Qualification; certificate.  An organization offering an approved motor vehicle accident prevention course used to qualify for the premium discount required by subsection 1 shall issue a certificate to a person who successfully completes the course.\n4.  Application.  An insured is not eligible for the premium discount under subsection 1 when the insured is required by a court or other government entity to complete the approved motor vehicle accident prevention course because the insured has committed a moving violation as defined in Title 29‑A, section 101, subsection 44.\n5.  Eligibility.  An insured must pass an approved motor vehicle accident prevention course every 3 years to continue to be eligible for the premium discount.","path":["TITLE 24-A: MAINE INSURANCE CODE","CHAPTER 39: CASUALTY INSURANCE CONTRACTS","SUBCHAPTER 1: GENERAL PROVISIONS"],"source_url":"https://legislature.maine.gov/statutes/24-A/title24-Asec2902-G.html","current_through":"October 1, 2025","vintage":"","retrieved_at":"2026-09-04T15:12:33Z","sha256":"d19c8e147e3863607bc18b10e54fbb4d8ae2fba82d78654186c3df1dbbf52651","source_id":"us-me","stale":false,"prev":"us-me/24-a-m.r.s.-2902-f","next":"us-me/24-a-m.r.s.-2903"},"notice":"GroundRules: Original legal text. Not legal advice."}