Montana § 33-16-230 - Rate Reduction For Military Defensive Drivers -- Effective Period -- Exclusions

§ 33-16-230. Rate Reduction For Military Defensive Drivers -- Effective Period -- Exclusions

Rate reduction for military defensive drivers -- effective period -- exclusions. (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). (b) Any discount used by the insurer is presumed appropriate unless credible data demonstrates otherwise. (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). (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. (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: (a) the insured was convicted of or plead guilty or nolo contendere to a moving traffic violation; (b) the insured has forfeited bail or collateral for a moving traffic violation; or (c) the insured was convicted by a court or found at fault in a motor vehicle accident.