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HF3290 (Legislative Session 94 (2025-2026))

Premium reductions for accident prevention course completion expanded to all insureds.

AI Generated Summary

Purpose of the Bill

The bill aims to expand existing automobile insurance premium reductions to a broader group of insured individuals within Minnesota who complete an accident prevention course or refresher course.

Main Provisions

  • Premium Reductions: Insurance companies must offer at least a 10% discount on private passenger vehicle insurance policies to insureds who successfully complete an approved accident prevention course. Previously, this discount applied only to those aged 55 and older.

  • Accident Prevention Course:

    • The Commissioner of Public Safety is tasked with establishing rules for motor vehicle accident prevention courses.
    • Courses must be at least four hours long and completed course requirements must be certified for premium discounts.

  • Course Repetition and Certification:

    • Individuals aged 55 and older can retake these courses every three years to maintain eligibility for the premium reduction.
    • Those who are 58 or older can regain eligibility for the premium reduction by completing a course, even if more than three years have passed since they last qualified.

Significant Changes

  • The bill modifies the age restrictions, allowing individuals younger than 55 to qualify for premium reductions if they complete the approved courses, thus expanding the pool of beneficiaries.

Relevant Terms

  • Automobile insurance
  • Premium reduction
  • Accident prevention course
  • Public Safety Commissioner
  • Course completion certification
  • Private passenger vehicle insurance

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
May 04, 2025HouseFloorActionIntroduction and first reading, referred toCommerce Finance and Policy
May 04, 2025HouseFloorActionIntroduction and first reading, referred toCommerce Finance and Policy

Citations

 
[
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This bill modifies the requirements for premium reductions for private passenger vehicle insurance under section 65B.28.",
      "modified": [
        "Changes eligibility for ten percent premium reduction to include all insureds who complete an accident prevention course."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This statute mandates rules for accident prevention courses for eligible drivers.",
      "modified": [
        "Specifies rules that an accident prevention course must include curriculum requirements and the issuance of course completion certifications."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 2"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This section pertains to the issuance of a completion certificate for accident prevention courses.",
      "modified": [
        "Allows individuals 58 and older to qualify for premium reduction reinstatement upon course completion."
      ]
    },
    "citation": "65B.28",
    "subdivision": "subdivision 4"
  }
]

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