New York State Defensive Driving (NY PIRP)
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New York Insurance Reduction Course Benefits

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NY Point & 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 Defensive Driving / 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 Defensive Driving / 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.



An update provided by the New York DMV about the New York Insurance Reduction

The following information was provided by the New York DMV in regards to the New York Insurance Discount to NY Defensive Driving (NY PIRP) course sponsors.

It is important to note that  insurance companies do not have the discretion to decide whether or not to honor the motor vehicle accident prevention course insurance premium reduction, regardless of whether the course is delivered in a classroom or by a DMV approved alternate delivery method.  This is a mandatory reduction under the State Insurance Law, primarily Section 2336(a). Any insurer that fails  to observe the law would naturally be subject to penalties. Any concerted effort by an insurance company, as a whole,  to deny the premium reduction to eligible motorists would likely draw action from both the New York State Insurance Department (NYSID) and the State Attorney General for violating the law.

DMV has found that most of these situations are the result of a misunderstanding on the part of the motorist or someone working at the insurance agency level, rather than a concerted effort at the insurance company level to deny premium reduction. Consequently, informed communication between the motorist and the insurer usually resolves “problems” without the need for a formal complaint or formal intervention by DMV or the Insurance Department

Suggestion on what to do when the insurer won’t issue the premium reduction:

Point the motorist to the information on the DMV website, the frequently asked questions (FAQs) the C-32A brochure, etc.  Urge them to read the materials closely to be sure that they fully understand the meaning of point reduction and insurance reduction. Explain to them that if they are truly being denied the premium reduction, that NYS law is on their side -  Article 12-C of the V&T and Section 2336 of the Insurance Law (see attached).  Suggest that the motorist present this information to their insurance agent/broker company as a first step in resolving what may be a simple misunderstanding.  Let the motorist know that they are entitled to file a complaint with the Insurance Department  against the insurer if they are unable to resolve the matter with the insurer.  The NYSID complaint link is  http://www.ins.state.ny.us/complhow.htm. The general public phone number for NYSID is: 1-800-342-3736. NYSID publishes complaint ratios on insurance companies every year so, in addition to the possible penalties for not complying with the law, the negative publicity associated with complaints should be reason enough for insurers to follow the rules.

Suggestion on what to do when an insurer won’t recognize the sponsor’s DMV-approved course.

This has historically been a rare occurrence but with the beginning of I-PIRP there may be instances where agents/brokers/companies are not up-to-speed and are not fully aware that I-PIRP classes have started.   DMV has issued a press release and updated its website and promotional materials and we have even notified the Professional Insurance Agents Association  of New York – which has updated its website and advised its network of insurance agencies about I-PIRP.

NYSID is expected to issue a circular letter to all insurers  regarding I-PIRP and the mandatory premium reduction for all NYS DMV approved motor vehicle accident prevention courses – classroom and alternate delivery methods.  NYSID will be referring insurers to the DMV website for a regularly updated list of approved sponsors and for additional information about the program.

Sponsors may want to handle any contact with an insurance company in the same manner that it advises an affected motorist  - to provide information to the insurance company and inform them about the latest developments in I-PIRP. Point the company to the information on the DMV website, the frequently asked questions (FAQs) the C-32A brochure, press release, etc.  Share a copy of Article 12-C and Section 2336. Refer the company to the Insurance Department for more direction on the legal requirements and obligations with regard to I-PIRP.  This should solve the problem. Sponsors that are unable to resolve a problem with an insurance company may also contact the NYSID Property and Casualty Insurance Bureau or the DMV Driver Training Programs Bureau for additional guidance in this area.


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The New York DMV
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USA Training Company NY

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Notice:  New York State Defensive Driving is a privately owned website and acts as a referral source to the USA Training Company, Inc. IPIRP program.  This website does not represent any member or employee of New York State.


Remove 4 points from your New York driving record and/or Save 10% on your auto insurance by enrolling in this New York Defensive Driving Course.  This defensive driving course is available 24 hours a day, 7 days a week and is 100% approved by the NY DMV! 

Need to take a New Jersey Defensive Driving course?  We can help!  Visit www.DefensiveDrivinginNewJersey.com to remove points from your NJ driving record or save up to 10% on your auto insrance premium.

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