New York DMV pamphlet of New York Point and Reduction Program.
New York Defensive Driving Online.
NY PIRP Pamphlet
New York Point & Insurance Reduction Program
The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through
private companies or corporations, called “course sponsors,” throughout New York State. Each qualifying course must
meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved
PIRP course:
1. It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of
today’s vehicles and traffic laws.
2. You may be eligible to reduce as many as four (4) points on your driving record. The DMV computer will
automatically note your eligibility to receive the reduction.
3. If you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of
your automobile and motorcycle liability and collision insurance premiums each year for three years.
Questions and Answers About…
The Course
Q. How much time does the PIRP course take, what is it like, and what does it cost?
A. Each course is at least six hours long, and is presented in one or more classroom sessions. (Note: The motorcycle safety/accident prevention-courses take substantially longer.) Essential information about traffic safety issues such
as driver attitude and behavior, defensive driving techniques, and the Vehicle & Traffic Law must be presented in
each course. Additional content, approach, materials and fees vary from one sponsor to another. No formal testing
is required to complete the course. For information on where to attend a course, consult your local telephone book
under “Driving Instruction” or equivalent sections. You may also contact one of the program sponsors presented in
the DMV publication, “List of Course Sponsors” (C-31), available at any state or county motor vehicle office and
by request from DMV Call Center and the DMV Internet Office.
Point Reduction
Q. After I complete the PIRP course, how do I receive the point reduction?
A. The PIRP sponsor will notify the DMV within ten weeks after you complete the course. A notice will hen be
entered on your driving record, and the DMV computer will automatically reduce your active point total by up to
four points. Important: Completion of a course under the “Point & Insurance Reduction Program” does not
remove, delete, or subtract, or erase any violation, conviction, or notice of original number of points from
your driving record. Even after you complete the course, most violations, conviction and points assessed will continue to show on your driving record for up to four years. Violations and convictions involving drugs or
alcohol will remain on your driving record for ten years. “Point reduction” means the DMV will not count up to
four points on your driving record toward license revocation or suspension.
Q. How do I know my driving record shows my PIRP course completion?
A. If you need to verify the course completion has been entered on your record, you may request a copy of your driving record from the DMV. To do so, you must complete a “Request for Driver and/or Vehicle Record
Information” (form MV-15), available at any motor vehicle office. You may also download this form from the
DMV internet office. If your course completion is not noted on your driving record more than ten weeks after you
completed it, contact the course sponsor.
Q. What effect does point reduction have on my license and driving record?
A. Point reduction applies only to points assessed for violations that occurred within the eighteen months immediately before course completion. It does not affect points for earlier violations, and cannot be used as “credit” against
future violations or points. Point reduction cannot reduce your point total lower than zero. If your license has
already been revoked or suspended, or if a violation hearing has already been scheduled, point reduction will not
affect that action. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations
such as DWI, DWAI, or three speedy violations within 18 months. Points may be reduced only once in any 18-
month period. The DMV point system and insurance company “point” systems are separate and not related. Point
reduction on your driving record does not affect points assigned by your insurance company for violations and
accidents. Completion of a course under the “Point & Insurance Reduction Program” also cannot prevent or reduce
the calculation of points affecting a “Driver Responsibility Assessment.” The most recent information about the
“Driver Responsibility Assessment” program is available from the DMV Internet office.
Insurance Reduction
Q. After completing the PIRP course, how do I receive the insurance reduction?
A. The course sponsor should mail you a completion certificate within 45 days after you complete the course. If you present your certificate to your insurance company or agent within 90 days after course completion, your liability
and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you
present your certificate more than 90 days after course completion, the insurer may issue the premium discount
effective from the date presented. If you do not receive your certificate within eight weeks after completion,
immediately contact the program sponsor. You may take the course once every 36 months to maintain insurance
reduction benefits.
Q. Will the PIRP course prevent my insurance company from raising my premiums?
A. No. Insurance reduction does not prevent general premium increases, or premium increases due to violations or accidents. It provides a 10% reduction for three years, from the base rate of your current liability, no-fault and
collision premiums.
Q. What if more than one person named on a policy completes the PIRP course?
A. The insurance premium reduction applies to all motor vehicles principally operated by the motorist who completes the course. The discount can be applied to only one driver for each covered vehicle.
Q. If I complete a DMV approved motorcycle safety/accident prevention course, does the insurance reduction benefit extend to my automobile coverage?
A. Yes, The reduction applies to the liability and collision insurance premiums for both your motorcycle and automobile.
NY PIRP Pamphlet
Q. Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount?
A. Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the discount.
Q. If a youthful operator is already receiving a driver education discount, will the PIRP discount also be applied?
A. Check with your insurance company or agent to find out if both discounts will be given at the same time.
DMV Point System Summary
The following table shows the point values assigned to moving traffic violations. The “points” are assessed against
your driving record based on the date you committed the violation, not the date you were convicted in court. If you
accumulate 11 or more points in 18 months, you will be called to a DMV hearing, after which your license may be
suspended or revoked. You will be offered to option of waiving the hearing or accepting a definite period of
suspension. Some license revocations and suspensions are mandatory and do not depend on points. These include three speeding violations within 18 months, and convictions involving alcohol or drugs. For information about license
suspensions and revocations, please refer to the publication “Suppose Your License Were Taken Away” (C-12),
available at any motor vehicle office.
VIOLATIONS POINTS
Speeding (mph over posted limit)
1 to 10 3
11 to 20 4
21 to 30 6
31 to 40 8
More than 40 11
Reckless Driving 5
Failure to stop for a School Bus 5
Following too closely (tailgating) 4
Inadequate Brakes 4
(while driving employer’s vehicle) 2
Failing to Yield Right-of-Way 3
Violation Involving Traffic Signal,
Stop Sign, or Yield Sign 3
Railroad Crossing Violation 3
Improper Passing or Lane Use 3
Leaving scene of an incident involving
Property damage or injury to an animal 3
Safety restraint violation
Involving person under 16 3
Any other moving violation 2
For Your Records:
Your course sponsor: ____________________________________________________________________
Sponsor’s phone number: _________________________________________________________________
Delivery Agency Name and Location: _______________________________________________________
Instructor’s name: _______________________________________________________________________
Date you completed the course: ____________________________________________________________
Please visit our Internet Office at:
www.nysdmv.com
"This is so much better than going to a classroom. Better is a lot of ways. One the comfort of your home. Two it can be taken at your own pace. Third it was funny, interesting, and not at all boring. I learned a lot, laughed a lot and really truly enjoyed it. I'm glad this defensive driving course came out in New York." Daluza V. NY, NY
"This was a breath of fresh air from the online continuing education course for real estate that I STILL have no finished because its so boring! This was very engaging and interesting and I will definitely recommend this defensive driving course to my friends and colleagues." Angela B. New York
"There are so many statistics and facts that I was not aware of at all until taking this defensive driving course and learning more tips of being a safe and aware driver and person. My motivation was initially to lower my insurance premium and to further reduce it by removing points from my record which I received when I was younger and a more inexperienced driver. Now at my age and time in life I can appreciate this course and knowledge and apply it to my driving habits and practices and be one step closer to being a safe driver and being an example to other New York drivers new and old to be careful and learn from your mistakes and change your driving habits. Thank You"! Alan P. Buffalo, NY
"Well, I have to be honest, it was one of the best experience in education ever!!!. I never thought that sitting alone facing the computer could so enjoyable and fun. They were able mix jokes with seriousness. And in many way, even it is hard to say, I am coming into realizing how bad of a driver I became. But from now one, I would do my best to change. This defensive driving course was really refreshing. Close to six hours passed I did not even realize it. Thank you for the experience, I do not regret a single second I spent in your company." MAMADOU C. Albany, New York
"I took your online defensive driving course in NY and really enjoyed it very much and I am looking forward to taking it again J. I think it is the best thing that New York State has come up with as of late. I am going to recommend it to my friends and co-workers. Thank you!" Alan M. New York, New York
"Awesome Defensive Driving Course!" Cindy A., Brooklyn , New York
"The course is really Simple and Fun... Wow what a great service!!" David Z. New York, New York
"It was great, easy, and fun. I will recommend to my friends if they were to need your service. Thank you very much! Best defensive driving school I have taken so far." Ashley C, Buffalo New York
"Thank you for offering this great defensive driving program in New York." Michael D. Albany, New York
"This is my second attempt at an online defensive driving school and this one was the best! I will recommend to all my friends!" Bob F. Trenton, New Jersey
"I must say I've heard horror stories from my friends about taking defensive driving school class. I honestly don't have one bad thing to say it was really simple and enjoyable." Andrew K. Long Island, New York
"The Improv Traffic School has made this process an actual joy to experience. I've gained some knowledge, had a good time doing it and everyone who helped me on the phone was so incredibly kind and sweet. THANK YOU! Blessings." Caroline M. New York, NY
"It was the BEST NEW YORK DEFENSIVE DRIVING SCHOOL that I ever took and I actually learned few things." Mike V., , Yonkers, New York
"You can always count on Improv Traffic School... your customer service is fantastic. I made my entire family take your Internet Defensive Driving Course." Russell J., Tampa, Florida
"What a great service for New York drivers... anyone can use an insurance discount in these hard times. Your accident prevention course rocks!" Bill G. Buffalo, NY
Above all defensive driving students want to feel comfortable in class and appreciate an instructor who gives them information and instruction they consider worth the time and effort.
Enroll here.
If I get a ticket for a moving violation in another state, do I receive points on my NYS driver license?
The NYSDMV does not record out-of-state violations committed by NYS drivers in other jurisdictions. The exceptions are alcohol-related violations, drug-related violations, and moving violations committed in Quebec or Ontario. Under special agreements, traffic convictions in Quebec or Ontario are recorded on NYS driver license records and carry points. Except for violations in Ontario and Quebec, points are not added to your NYS record for out-of-state violations.
If you do not respond to a ticket or fail to pay a fine for a moving violation that you committed in any state except Alaska, California, Michigan, Montana, Oregon or Wisconsin, the DMV suspends your NYS driver license until you respond to the ticket or pay the fine. If a driver from a state except these six states fails to respond to a traffic ticket issued in NYS, their driver license will be suspended until the driver responds to the traffic ticket in NYS.
Drivers from other states must contact the DMV in their home state to get information about the effect of a traffic violation conviction that occurs in NYS.
If you receive a conviction for an alcohol-related or drug-related driving violation in any state, your NYS driver license is revoked for at least six months.
New York Defensive Driving Online.
This from
MajorityLeader.News@senate.state.ny.us: July 21, 2009
SENATE PASSES BAN ON TEXTING WHILE DRIVING
Prohibits the use of portable electronic devices while driving
(Albany, NY)- Today, the New York State Senate passed S3619A/Dilan, legislation that will make New York’s roads and highways safer by, among other provisions, banning the practice of texting and using other electronic devices while driving.
In addition to the texting ban, the legislation includes a number of important provisions that will make the roadways safer by implementing sensible requirements for young drivers, including:
· Requiring that new drivers over the age of 16 and under the age of 18 must wait six months after obtaining a learner’s permit to apply for a driver’s license.
· Reducing from 2 to 1 the number of non-family passengers in a motor vehicle operated by a young driver with only a learner’s permit when not accompanied by a licensed parent or guardian.
· Reducing from 2 to 1 the number of non-family passengers under the age of 21 in a motor vehicle operated by a holder of only a junior license.
· Increasing the number of hours, from 20 to 50, required driving hours as determined by a parent or guardian before a driver’s license can be applied for.
The penalty for texting while driving is not to exceed $150 for the first offense.
In 2007, AAA conducted a study that showed 46 percent of teens regularly texted while driving. As cell phone become more accessible, it is expected that number has risen. These numbers are startling considering the results of a study presented at the Pediatric Academic Societies earlier this year which proved that, when texting or operating another electronic device while driving, teens are very likely to increase or decrease their speed dramatically in a short period of time, waver in and out of lanes, and be do distracted they were unable to respond to sudden roadway dangers.
The correlation between young drivers and vehicular accidents is clear. According to a 2008 publication by the National Highway Transportation Safety Administration (NHTSA), sixteen-year old drivers have crash rates that are about three times greater than 17-year old drivers, five times greater than 18-year-old drivers, and approximately twice the rate of 85-year old drivers.
“Too many people, in particular young people, are dying or being seriously injured on our roadways because of carelessness or a simple lack of preparation for the responsibility of operating a motor vehicle,” said Senate President Malcolm A. Smith. “It is important that we teach young adults how to practice smart, defensive driving techniques to keep themselves and all New Yorkers, safe on our roadways.”
Senator Martin Malave Dilan (D-Brooklyn), lead sponsor of this legislation and Chair of the Senate Transportation Committee said, “This is a long-overdue safety measure for New York. Early on, New York recognized the dangers of talking on a phone when driving. However, texting and burgeoning technologies continue to pose serious, and sometimes fatal, distractions to drivers of all ages.”
“It is good that not only are precautionary safety step being taken, but that in this process, the public awareness is being raised that this is a very real problem,” said Senator Neil Breslin (D-Albany).
“A simple careless distraction can have great consequences,” said Senator Andrea Stewart-Cousins (D-Yonkers). “I feel so strongly about this bill, because we are in a new era of technology, and we have to adapt in order to keep our communities safe. I am very pleased that after years of trying, we have finally been able to get this important legislation passed by both houses and I hope it will become law before one more young driver is hurt or lost.”
The National Point and Insurance Reduction Course presents Improv Aware Driver Course. NY defensive driving online. A unique Online Defensive Driving course approved by the New York DMV for point and insurance reduction. Upon completion of this award-winning accident prevention course, New York drivers can receive a benefit of a 4-point reduction on their NY driving record and a 10% insurance discount on their New York auto insurance rates. Defensive driving online NY.
Created through the joint venture with a World Famous Improv Comedy Club, our goal is to provide convenient, fun and cost-effective Internet Defensive Driving and Accident Prevention Courses, which you can complete from the comfort of your own home. Based on a simple notion that defensive driving course doesn't have to be dry and boring, our online defensive driving program has undergone numerous traffic safety studies, and time after time has proven to be effective in reducing future traffic collisions and traffic tickets. Yet the course is formatted for the 5th Grade reading level, making it very simple and easy to complete even for the most technically challenged. The online class is for all who live in New York or received points here.
Serving zip codes. All zip codes in New York. All of New York is eligible for this online course. This is a partial list. 10710, 10706, 10604, 10012, 10013, 10014, 10003, 10009, 10002, 10007, 10004, 10005, 10006. 10048, 10038, 10011, 10010, 10001, 10018, 10016, 10019, 10017, 10038, 10021, 10022, 10023, 10024, 10025, 10026, 10027, 10028, 10029, 10030, 10031, 10032, 10033, 10034,
Zip codes 10013, 10701,10703,10704,10705,10706,10707,10708,10709,10710,10463, 10466, 10469, 10470, 10471, 10577, 10580, 10007, 10009, 10010, 10011, 10012, 10014, 10016, 10017, 10018, 10019, 10023, 10023, 10024, 10173, 10530,10532, 10533,10538,10522,10514,10523,10543,10550,10551,10552,10553,10557,10558,10562. 10583,10591,10594,10595, 10598,10601,10602,10603,10604,10605,10606,10610,10801,10802,10803,10804,10805
| 11004 | Glen Oaks |
| 11005 | Floral Park |
| 11101 | Long Island City |
| 11102 | Astoria |
| 11103 | Astoria |
| 11104 | Sunnyside |
| 11105 | Astoria |
| 11106 | Astoria |
| 11109 | Long Island City |
| 11351 | Flushing |
| 11354 | Flushing |
| 11355 | Flushing |
| 11356 | College Point |
| 11357 | Whitestone |
| 11358 | Flushing |
| 11359 | Bayside |
| 11360 | Bayside |
| 11361 | Bayside |
| 11362 | Little Neck |
| 11363 | Little Neck |
| 11364 | Oakland Gardens |
| 11365 | Fresh Meadows |
| 11366 | Fresh Meadows |
| 11367 | Flushing |
| 11368 | Corona |
| 11369 | East Elmhurst |
| 11370 | East Elmhurst |
| 11371 | Flushing |
| 11372 | Jackson Heights |
| 11373 | Elmhurst |
| 11374 | Rego Park |
| 11375 | Forest Hills |
| 11377 | Woodside |
| 11378 | Maspeth |
| 11379 | Middle Village |
| 11385 | Ridgewood |
| 11411 | Cambria Heights |
| 11412 | Saint Albans |
| 11413 | Springfield Gardens |
| 11414 | Howard Beach |
| 11415 | Kew Gardens |
| 11416 | Ozone Park |
| 11417 | Ozone Park |
| 11418 | Richmond Hill |
| 11419 | South Richmond Hill |
| 11420 | South Ozone Park |
| 11421 | Woodhaven |
| 11422 | Rosedale |
| 11423 | Hollis |
| 11426 | Bellerose |
| 11427 | Queens Village |
| 11428 | Queens Village |
| 11429 | Queens Village |
| 11430 | Jamaica |
| 11432 | Jamaica |
| 11433 | Jamaica |
| 11434 | Jamaica |
| 11435 | Jamaica |
| 11436 | Jamaica |
| 11691 | Far Rockaway |
| 11692 | Arverne |
| 11693 | Far Rockaway |
| 11694 | Rockaway Park |
| 11697 | Breezy Point |
New York Point and Insurance Reduction Program.
To register and see the complete schedule click here
Local New York defensive driving course online.
Taiw
P.O. Box 382
Yonkers NY 10704
914-751-7492
Taiw.org
Login if you are returning.
There was never a simpler way to complete a New York Defensive Driving Course and Save on your NY Auto Insurance Rates!
Log in anywhere - anytime…
- Start at work
- Do a little over lunch
- Come back few days later and finish it over a cup of coffee at your local Starbucks!
Of course doing it at home is always an option.
We allow you to log in and out of the course as many times as you like, as long as you complete the entire course within 30 days of your registration (per NYS DMV requirement).
- The course is available 24/7, so you decide when and how long to study. We will keep track of your progress and will remind you where you left when you come back.
- The course is broken down into 10 short modules (about 30 min. each) consisting of a multimedia presentation and supporting review text.
- The credit is given in 5-minute increments, so you can complete an entire course or just part of the module anytime you log in.
- Due to our state-of –of the art technology, NO Final Exam is required, just complete a simple 3-question quiz (you only need 1correct answer to pass), keep moving on to through chapters until you finish all 10 modules.
- Once you are done, we will process your NY Defensive Driving completion certificate the same day and will notify NYS DMV of your completion at no extra cost.
There are really no excuses not to SAVE on your Auto Insurance Now!!!
Take it for a FREE SPIN, take advantage of the "Start Now - Pay Later" Option!
Get your auto discount today. New York defensive driving online.
What others are saying!
"This is so much better than going to a classroom. Better in a lot of ways. One the comfort of your home. Two it can be taken at your own pace. Third it was funny, interesting, and not at all boring. I learned a lot, laughed a lot and really truly enjoyed it. I'm glad this defensive driving course came out in New York." Daluza V. NY, NY
"This was a breath of fresh air from the online continuing education course for real estate that I STILL have not finished because its so boring! This was very engaging and interesting and I will definitely recommend this defensive driving course to my friends and colleagues." Angela B. New York
"There are so many statistics and facts that I was not aware of at all until taking this defensive driving course and learning more tips of being a safe and aware driver and person. My motivation was initially to lower my insurance premium and to further reduce it by removing points from my record which I received when I was younger and a more inexperienced driver. Now at my age and time in life I can appreciate this course and knowledge and apply it to my driving habits and practices and be one step closer to being a safe driver and being an example to other New York drivers new and old to be careful and learn from your mistakes and change your driving habits. Thank You"! Alan P. Buffalo, NY
"Well, I have to be honest, it was one of the best experience in education ever!!!. I never thought that sitting alone facing the computer could so enjoyable and fun. They were able mix jokes with seriousness. And in many way, even it is hard to say, I am coming into realizing how bad of a driver I became. But from now one, I would do my best to change. This defensive driving course was really refreshing. Close to six hours passed I did not even realize it. Thank you for the experience, I do not regret a single second I spent in your company." MAMADOU C. Albany, New York
"I took your online defensive driving course in NY and really enjoyed it very much and I am looking forward to taking it again J. I think it is the best thing that New York State has come up with as of late. I am going to recommend it to my friends and co-workers. Thank you!" Alan M. New York, New York
"Awesome Defensive Driving Course!" Cindy A., Brooklyn , New York
"The course is really Simple and Fun... Wow what a great service!!" David Z. New York, New York
"It was great, easy, and fun. I will recommend to my friends if they were to need your service. Thank you very much! Best defensive driving school I have taken so far." Ashley C, Buffalo New York
"Thank you for offering this great defensive driving program in New York." Michael D. Albany, New York
"This is my second attempt at an online defensive driving school and this one was the best! I will recommend to all my friends!" Bob F. Trenton, New Jersey
"I must say I've heard horror stories from my friends about taking defensive driving school class. I honestly don't have one bad thing to say it was really simple and enjoyable." Andrew K. Long Island, New York
"The Improv Traffic School has made this process an actual joy to experience. I've gained some knowledge, had a good time doing it and everyone who helped me on the phone was so incredibly kind and sweet. THANK YOU! Blessings." Caroline M. New York, NY
"It was the BEST NEW YORK DEFENSIVE DRIVING SCHOOL that I ever took and I actually learned few things." Mike V., , Yonkers, New York
"You can always count on Improv Traffic School... your customer service is fantastic. I made my entire family take your Internet Defensive Driving Course." Russell J., Tampa, Florida
"What a great service for New York drivers... anyone can use an insurance discount in these hard times. Your accident prevention course rocks!" Bill G. Buffalo, NY
Safety and Savings
NEW YORK CITY TAXI AND LIMOUSINE
COMMISSION DOES ACCEPT THE ONLINE
COURSE
This is the course that reduces
points and reduces the cost of
insurance.
Register Today! Try it for free!
New York's most popular defensive driving course online.
Frequently Asked Questions about the
New York Point and Insurance Reduction
Program
Q: Is your course approved by the NY State
DMV?
A: Yes, we were the first course to be approved
by the NY State DMV to offer Defensive Driving
in NY via the Internet.
Please click here to view and download DMV's
approval letter.
$33.95 with code
Q: Why Take New York Improv Defensive
Driving Course
A: Ticket Dismissal /Point Reduction
It will help you refresh your driving knowledge
and you may be eligible to reduce as many as four
(4) points on your driving record
Insurance Reduction
You will qualify for an insurance reduction of a
minimum 10% in the base rate of your auto or
motorcycle liability and collision coverage over 3
years.
(Contact your insurer for more information)
Requested by a Judge - attendance in a Defensive
Driving course
Employer Required - Defensive Driving Course
Q: My driving record is clean. Will I still
benefit?
A: Yes, by saving on your insurance.
Q: I took a course for an insurance discount
within last three years and just got points on my
record.
A: You can take the course again. You are
allowed to take the course for Point Reduction
every 18 months.
Q: Will I save more if members of my family
take the course?
A: Yes. The insurance premium will apply to
all motor vehicles principally operated by
members of the family who complete the course.
Please note that the discount can be applied to
only one driver for each covered vehicle. Make
sure you check with your own insurance company
for specifics on how discounts will be applied.
Just by taking this 6 hour New York defensive
driving class you receive 10% off your insurance
and four points are reduced from your New York DMV record. Reduce Points. Highest rating class.
NY PIRP Pamphlet
Point & Insurance Reduction Program
The Point & Insurance Reduction Program (PIRP),
approved by the Department of Motor Vehicles, is
available through
private companies or corporations, called “course
sponsors,” throughout New York State. Each
qualifying course must
meet strict standards for the safe driving
information presented and program effectiveness.
If you complete an approved PIRP course:
1. It will help refresh your driving knowledge
with a review of time-tested safe driving tips and
an overview of today’s vehicles and traffic laws.
2. You may be eligible to reduce as many as four
(4) points on your driving record. The DMV
computer will automatically note your eligibility
to receive the reduction.
3. If you are the principal operator of a motor
vehicle, you will receive a minimum 10% reduction
in the base rate of your automobile and
motorcycle liability and collision insurance
premiums each year for three years.
Questions and Answers About…
The Course
Q. How much time does the PIRP course take,
what is it like, and what does it cost?
A. Each course is at least six hours long, and is
presented in one or more classroom sessions.
(Note: The motorcycle
safety/accident prevention-courses take
substantially longer.) Essential information
about traffic safety issues such
as driver attitude and behavior, defensive driving
techniques, and the Vehicle & Traffic Law
must be presented in each course. Additional
content, approach, materials and fees vary from
one sponsor to another. No formal testing is
required to complete the course.
Q. After I complete the PIRP course, how do I
receive the point reduction?
A. The PIRP sponsor will notify the DMV
within ten weeks after you complete the course.
A notice will then be entered on your driving
record, and the DMV computer will automatically
reduce your active point total by up to four points.
Important: Completion of a course under the
“Point & Insurance Reduction Program” does not
remove, delete, or subtract, or erase any violation,
conviction, or notice of original number of points
from your driving record. Even after you complete
the course, most violations, conviction and points
assessed will continue to show on your driving
record for up to four years. Violations and
convictions involving drugs or alcohol will remain
on your driving record for ten years. “Point
reduction” means the DMV will not count up to
four points on your driving record toward license
revocation or suspension.
Q. How do I know my driving record shows my PIRP
course completion?
A. If you need to verify the course completion has
been entered on your record, you may request a
copy of your driving record from the DMV. To do
so, you must complete a “Request for Driver and
/or Vehicle Record Information” (form MV-15),
available at any motor vehicle office. You may also
download this form from the DMV internet office.
If your course completion is not noted on your
driving record more than ten weeks after you
completed it, contact the course sponsor.
Q. What effect does point reduction have on my
license and driving record?
A. Point reduction applies only to points assessed
for violations that occurred within the eighteen
months immediately before course completion.
It does not affect points for earlier violations, and
cannot be used as “credit” against future
violations or points. Point reduction cannot
reduce your point total lower than zero. If your
license has already been revoked or suspended,
or if a violation hearing has already been
scheduled, point reduction will not
affect that action. Point reduction does not
prevent or cancel a mandatory revocation or
suspension for violations such as DWI, DWAI, or
three speedy violations within 18 months. Points
may be reduced only once in any 18-
month period. The DMV point system and
insurance company “point” systems are separate
and not related. Point
reduction on your driving record does not affect
points assigned by your insurance company for
violations and
accidents. Completion of a course under the “Point
& Insurance Reduction Program” also cannot
prevent or reduce
the calculation of points affecting a “Driver
Responsibility Assessment.” The most recent information about the
“Driver Responsibility Assessment” program is
available from the DMV Internet office.
Insurance Reduction
Q. After completing the PIRP course, how do I
receive the insurance reduction?
A. The course sponsor should mail you a completion
certificate within 45 days after you complete the course. If you
present your certificate to your insurance company
or agent within 90 days after course completion, your
liability and collision premium reduction will begin
immediately, retroactive to the date you completed the
course. If you present your certificate more than 90
days after course completion, the insurer may
issue the premium discount effective from the date
presented. If you do not receive your certificate within
eight weeks after completion, immediately contact the
program sponsor. You may take the course once every
36 months to maintain insurance reduction benefits.
Q. Will the PIRP course prevent my insurance company
from raising my premiums?
A. No. Insurance reduction does not prevent general
premium increases, or premium increases due to
violations or accidents. It provides a 10% reduction for
three years, from the base rate of your current liability,
no-fault and collision premiums.
Q. What if more than one person named on a policy
completes the PIRP course?
A. The insurance premium reduction applies to all
motor vehicles principally operated by the motorist who
completes the course. The discount can be applied to
only one driver for each covered vehicle.
Q. If I complete a DMV approved motorcycle safety/
accident prevention course, does the insurance
reduction benefit extend to my automobile coverage?
A. Yes, The reduction applies to the liability and collision insurance premiums for both your motorcycle and automobile.
Q. Will youthful operators and drivers participating in
assigned risk pool receive the insurance premium
discount?
A. Yes. Any insured driver who is the principal operator
and completes a Point & Insurance Reduction Program
course will receive the discount.
Q. If a youthful operator is already receiving a driver
education discount, will the PIRP discount also be applied?
A. Check with your insurance company or agent to find out if both discounts will be given at the same time.
DMV Point System Summary
The following table shows the point values assigned to
moving traffic violations. The “points” are assessed
against
your driving record based on the date you committed the
violation, not the date you were convicted in court. If you
accumulate 11 or more points in 18 months, you will be
called to a DMV hearing, after which your license may be
suspended or revoked. You will be offered to option of
waiving the hearing or accepting a definite period of
suspension. Some license revocations and suspensions
are mandatory and do not depend on points. These include
three speeding violations within 18 months, and
convictions involving alcohol or drugs. For information
about license
suspensions and revocations, please refer to the
publication “Suppose Your License Were Taken Away”
(C-12), available at any motor vehicle office.
VIOLATIONS POINTS
Speeding (mph over posted limit)
1 to 10 3
11 to 20 4
21 to 30 6
31 to 40 8
More than 40 11
Reckless Driving 5
Failure to stop for a School Bus 5
Following too closely (tailgating) 4
Inadequate Brakes 4
(while driving employer’s vehicle) 2
Failing to Yield Right-of-Way 3
Violation Involving Traffic Signal,
Stop Sign, or Yield Sign 3
Railroad Crossing Violation 3
Improper Passing or Lane Use 3
Leaving scene of an incident involving
Property damage or injury to an animal 3
Safety restraint violation
Involving person under 16 3
Any other moving violation 2