Insurance: automobile; premium discount for seniors who complete traffic accident prevention course; require insurers to offer, and modify requirements for the course. Amends sec. 2111a of 1956 PA 218 (MCL 500.2111a).

HB 5523 requires Michigan auto insurers to offer a premium discount to drivers aged 50 and older who complete a state-approved traffic safety course. Insurers must provide a 3-year discount after successful completion of either an 8-hour initial course or a 4-hour refresher course. The courses must cover aging effects on driving, road signs, medication impacts, safe driving practices, and crash prevention, taught by certified instructors. Upon completion, participants receive a certificate to apply for the discount.