Alabama § 27-13-120 - Premium Reduction for Completing Accident Prevention Course.
Full text of Alabama Code of Alabama § 27-13-120 — Premium Reduction for Completing Accident Prevention Course., with citation guidance and answers to common questions.
§ 27-13-120. Premium Reduction for Completing Accident Prevention Course.
(a) Any rates, rating schedules, or rating manuals submitted to or filed with the Commissioner of the Department of Insurance for private passenger automobile liability insurance and private passenger automobile physical damage insurance shall include an appropriate reduction in premium charges if the principal operator is 55 years of age or older and has successfully completed a motor vehicle accident prevention course approved pursuant to this article.
(b) Upon successful completion of an approved motor vehicle accident prevention course, each participant shall be issued, by the course’s sponsoring entity, a certificate of completion which shall be the basis of the qualification for the reduction in the automobile insurance premium.
(c) The premium reduction required in 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 premium reduction, that the insured not be involved in an accident for which the insured is at fault nor be found guilty of a moving violation during the three-year period after course completion.
(d) Any discount used by an insurer shall be presumed appropriate unless credible evidence data demonstrates otherwise.
(e) This section shall not apply if the approved course is taken by a person who is specified by a court or other governmental entity resulting from a moving traffic violation.
(f) Each participant shall take an approved course every three years to continue to be eligible for the reduction in premiums provided in this section.
Source: official Alabama text · Last verified 2026-08-27
Frequently Asked Questions About Alabama § 27-13-120
What does Code of Alabama § 27-13-120 cover?
Section 27-13-120 ("Premium Reduction for Completing Accident Prevention Course.") is part of the Code of Alabama, the codified statutory law of Alabama. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Alabama § 27-13-120?
A common citation format is "Code of Alabama § 27-13-120" (Alabama). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Alabama law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Alabama official source linked on this page or consult a licensed Alabama attorney.
How does Alabama § 27-13-120 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Alabama can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Alabama.