New York On-line Insurance Reduction Courses Approved
New York State has recently approved a number of on-line course providers of Point and Insurance Reduction Programs (PIRP). These are listed by the NY DMV here. Successful completion requires 320 minutes of actual instruction time. Once completed, the driver is entitled to a 10% reduction for three years of the motorist’s liability, collision, and no-fault insurance premiums. Additionally, the completion of the program can be applied once within 18 months and will operate to reduce up to four points from the driver’s DMV abstract. It should be noted that the reduction will NOT remove violations, convictions or prevent/cancel a mandatory revocation or suspension for DWI, DWAI, or 3 speeding convictions within 18 months.
It should also be noted that the completion of the program will not have any effect on the Driver Assessment Fee that a motorist may have been assessed by the State. To illustrate, suppose a driver has amassed 8 points on her abstract in an 18 month period. She will pay $150.00 each year for 3 years to the DMV - in addition to the court fines and mandatory surcharge. Now, because she is only 3 points away from a future suspension (11 points), she successfully completes the PIRP. The driver will STILL have to pay the $150.00 each year to the DMV, but will be treated by the DMV as having only 4 points for license suspension purposes (8 less 4 point reduction from PIRP).
The offering of these on-line programs is great news for New York motorists who may need such benefits.
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July 18th, 2009 at 12:34 am
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