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, whit 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