Ohio § 3937.43

§ 3937.43.

(A) As used in this section: (1) “ Automobile insurance policies ” has the same meaning as in section 3937.30 of the Revised Code . (2) “ Moving violation ” means any violation of any statute or ordinance that regulates the operation of

vehicles, streetcars, or trackless trolleys on highways or streets or that regulates

size or load limitations or fitness requirements of vehicles. “Moving violation” does not include the violation of any statute or ordinance that

regulates pedestrians or the parking of vehicles. (3) “ Community control sanction ” has the same meaning as in section 2929.01 of the Revised Code . (B) Every rating plan or schedule of rates for automobile insurance policies that is

filed with the superintendent of insurance shall provide for an appropriate reduction

in premium charges for any insured or applicant for insurance under the following

conditions: (1) The applicant or insured is sixty years of age or older; (2) The applicant or insured successfully completes a motor vehicle accident prevention

course, which includes classroom instruction and the passing of an examination in

accordance with both of the following: (a) The department of public safety shall approve the course and the examination.  However, the department shall not approve any correspondence course or any other

course that does not provide classroom instruction. (b) The examination shall include an actual demonstration of the applicant's or insured's

ability to exercise ordinary and reasonable control in the operation of a motor vehicle. (3) The applicant or insured submits to the insurer a certificate that is issued by the

sponsor of the motor vehicle accident prevention course and attests to the successful

completion of the course by the applicant or insured; (4) The insurer may consider the driving record of the applicant or insured in accordance

with divisions (C) and (D) of this section. (C) In determining whether to grant a reduction in premium charges in accordance with

this section, the insurer may consider the driving record of the insured or applicant

for a three-year period prior to the successful completion of a motor vehicle accident

prevention course. (D)(1) Subject to division (D)(2) of this section, every reduction in premium charges granted

in accordance with this section shall be effective for an insured for a three-year

period after each successful completion of a motor vehicle accident prevention course. (2) As a condition of maintaining a reduction in premium charges granted in accordance

with this section, an insurer may require that the insured, during the three-year

period for which the reduction has been granted, neither be involved in an accident

for which the insured is primarily at fault, nor be convicted of more than one moving

violation. (E) A reduction in premium charges granted in accordance with this section shall not

become effective until the first full term of coverage following the successful completion

of a motor vehicle accident prevention course in accordance with division (B) of this

section. (F) The director of the department of public safety shall adopt rules in accordance with

Chapter 119. of the Revised Code that are necessary to carry out the duties of the

department under this section. (G) This section does not apply to any automobile insurance policy issued under an assigned

risk plan pursuant to section 4509.70 of the Revised Code . (H) This section does not apply to circumstances in which the motor vehicle accident

prevention course is required by a court as a condition of a community control sanction

imposed for a moving violation.