MI HB5523

Requires automobile insurers to offer premium discounts to drivers aged 50 and older who complete a traffic accident prevention course, changing the current law from permissive ("may") to mandatory ("shall").

Reduces the minimum classroom instruction time for initial traffic accident prevention courses from 8 hours to 6 hours, while refresher courses remain at 4 hours minimum.

Premium discounts must be provided for 3 years following successful completion of either an initial or refresher course.

Courses must cover topics including effects of aging on driving, road signs, alcohol/drug effects on older drivers, traffic laws, crash prevention, seatbelt use, and interaction with other road users.

The bill is designated as the "Cutting Auto Rates for Seniors, or CARS, Act" and amends Section 2111a of Michigan's Insurance Code of 1956.