Answers to Your Defensive Driving Questions
NYS Department of Motor Vehicle Point Reduction
After I complete the course, how do I receive the point reduction?
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The course sponsor automatically notifies DMV that you have completed the course. A course completion notation is entered on your record in the DMV computer. Convictions and original points remain on the record - they are not deleted. When the course completion notation goes on your record, the computer subtracts up to four points when calculating your point total. The course completion notation and point reduction are listed on printed copies of your driving record, along with the original points and convictions. The course completion notation usually appears on your record within eight weeks after you complete the course. If you wish to verify that course completion has been noted on your record, request a copy of your driving record from DMV two months or more after completing the course. Give your full name, date of birth and motorist identification number as they appear on your license. Send this information and a check or money order for $6.00 payable to the Commissioner of Motor Vehicles, to the Public Service Bureau, Driver Abstracts, DMW, Empire State Plaza, Albany, NY 12228. You can get a copy of the abstract online at: http://www.nydmv.state.ny.us/
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What effect does point reduction have on my license and driving record?
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Point reduction applies only to points for violations occurring within 18 months immediately before course completion. It does not affect points for earlier violations, and can never be used as a "credit" for future points.
Point reduction cannot reduce your point total lower than zero. If you have four or fewer points at the time you complete the course your point total will be reduced to zero.
If your license is already revoked or suspended, or if a violation point hearing has already been scheduled, point reduction will not affect that action.
Point reduction does not prevent or cancel mandatory suspensions or revocations for violations such as DWI or three speeding violations in 18 months.
Points may be reduced once in an 18-month period. However, if a driver receives a ticket after completing the Defensive Driving Course, but did not have any accrued points being held against his/her license prior to taking the course, he/she will be eligible for point reduction immediately rather than having to wait 18 months from their completion date. He/she, therefore, can retake the course and receive point reduction. (Remember - Points can only be reduced ONCE in any 18 month period).
The DMV point system and insurance company point systems are separate and unrelated. Point reduction on your driving record does not affect points assigned by your insurance company for various violations and accidents.
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Insurance Premium Reductions
After completing the course, how do I receive insurance reduction?
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The course sponsor will mail you a completion certificate generated from the Student Record card you fill out at the class. Present the completion certificate to your insurance company or agent for your liability, no-fault and collision premium discounts. If you do not receive your certificate within eight weeks of completing the course, contact the sponsor-the National Safety Council at 800-962-3434. You must be sure that your insurance company receives the certificate within 90 days of your course completion.
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If a youthful operator is already receiving a driver education discount, can the PIRP discount also be applied?
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Check with your insurance company, or agent to see if both discounts will be given at the same time. This is discretionary and up to your insurance company.
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What if more than one person named on a policy completes the course?
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The reduction applies to vehicles principally operated by the motorist who completes the course. The discount may be applied only once for each covered vehicle.
Example: For a car registered in your name, your wife or other family member is listed with your insurance company as the principal driver - your wife must take the course for YOU to receive the insurance discount on that car. Insurance companies insure cars, not people.
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Will assigned risks and youthful operators receive the discounts?
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Yes, any insured who is a principal operator and completes a PIRP course will receive the discount.
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Will the course prevent my insurance company from raising my premiums?
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No. Insurance reduction does not prevent general premium increases, nor those due to violations or accidents. It provides a 10% reduction, for three years, in the base rate of your liability, no-fault and collision premiums.
If you do get an increase in your insurance premiums, isn't a 10% discount even more important to you?
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REFUNDS
How do I get a refund?
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Refunds will be granted for all written requests made at least seven (7) full days prior to the date for which you register. Please use the CONTACT US form to generate an email refund request. All Requests must be in writing. NO telephone requests will be honored.
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TRANSFERS
How can I change the date and location for which I am registered?
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All TRANSFER requests must be done in writing. Email is acceptable. Email requests can be sent to: alromeo@driver-improvement.com OR you can use our CONTACT US FORM available on our home page: http://driver-improvement.com .
There is a transfer fee of $15 - a doctor's note can be substitued if illness on the day of the class was the reason. The transfer fee will be paid at the make up class via either MONEY ORDER or CASH only- checks will not be accepted.
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What can I do if I miss a class? How do I make-up a missed class?
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Transfers- changing from one class to another class- What to do if you miss a class for which you registered- You can send a written request to: alromeo@driver-improvement.com OR use the CONTACT US form - see links at top of page- to request a make up date in writing. Email is acceptable for this purpose. There is a $15 change of program fee that will be paid in person at your NEW class..............it can be brought with you to the make up class..........it must be paid via either MONEY ORDER or via CASH (for which you will be given a receipt)- NO checks are accepted. ALL MISSED classes MUST be made up within 60 days of the orignal date for which you were registered. (Written requests can also be mailed to: Driver Improvement Programs - P O BOX 712- Westbrook, CT 06498).
We will confirm you in the NEW (make up) class in writing. TELEPHONE requests for make-ups are not accepted.
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How can I get HELP if I need it for the ONLINE Defensive Driving Class?
IF I need HELP with the ONLINE Course, how can I get it?
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