{"data":{"id":"us-mt/33-16-230","jurisdiction":"us-mt","citation":"33-16-230","heading":"Rate reduction for military defensive drivers -- effective period -- exclusions.","body":"(1) (a) Any rates, rating schedules, or rating manuals for liability, bodily injury, or collision coverages of a motor vehicle insurance policy filed with the insurance department must provide for an appropriate premium reduction as determined by the insurer for a member of the Montana national guard who is an insured operator of a covered nonmilitary vehicle and who has successfully completed a defensive driving course referred to in 61-2-102(2).\n(b) Any discount used by the insurer is presumed appropriate unless credible data demonstrates otherwise.\n(2) The premium reduction required under subsection (1)(a) is effective for an insured for 3 years after successful completion of the approved course. Each person shall successfully complete a defensive driving course referred to in 61-2-102(2) every 3 years to remain eligible for the reduction provided in subsection (1)(a).\n(3) Subsection (1)(a) does not apply if the approved course is taken as punishment specified by a court or other governmental entity for a moving traffic violation.\n(4) An insurer may deny the discount under subsection (1)(a) if within 3 years prior to the insured's application for the rate reduction or during the period for which the rate reduction is provided:\n(a) the insured was convicted of or plead guilty or nolo contendere to a moving traffic violation;\n(b) the insured has forfeited bail or collateral for a moving traffic violation; or\n(c) the insured was convicted by a court or found at fault in a motor vehicle accident.","path":["TITLE 33. INSURANCE AND INSURANCE COMPANIES","CHAPTER 16. RATES -- RATING AND ADVISORY ORGANIZATIONS","Part 2. Rates and Rating Plans"],"source_url":"https://mca.legmt.gov/bills/mca/title_0330/chapter_0160/part_0020/section_0300/0330-0160-0020-0300.html","current_through":"Montana Code Annotated 2025","vintage":"","retrieved_at":"2026-09-14T04:52:32Z","sha256":"594655b817aaa35dee82ff632b80b96e26bdac6a977e4fd761e43ee8b5fb2ad5","source_id":"us-mt","stale":false,"prev":"us-mt/33-16-226","next":"us-mt/33-16-231"},"notice":"GroundRules: Original legal text. Not legal advice."}