New York Glossary

Within this glossary, you will encounter terms utilized throughout our website.

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Defensive Driving Course (DDC): A state-approved program designed to improve driving skills, reduce traffic violations, and earn insurance premium discounts.

IPIRP (Insurance Premium Reduction Program): A program in New York that allows drivers to earn a discount on their auto insurance premiums by completing a defensive driving course.

Point Reduction: The process of removing up to 4 points from a driver's record after successfully completing a defensive driving course.

Defensive Driving Certificate: A document issued upon successful completion of a DDC, which serves as proof of course completion for insurance companies. NYS DMV (New York State Department of Motor Vehicles): The government agency responsible for driver licensing and vehicle registration in New York.

New York Traffic Violations: Infractions of traffic laws, which may result in points on a driver's record and higher insurance rates.

Traffic Ticket: A citation issued by law enforcement for a traffic violation, typically accompanied by fines and potential points.

Speeding Ticket: A common traffic violation involving driving above the posted speed limit.

Point System: A system used by the NYS DMV to assign points to a driver's record for various traffic violations.

Defensive Driving Techniques: Strategies and skills taught in a DDC to help drivers avoid accidents and drive more safely.

Collision Avoidance: Defensive driving techniques that help drivers prevent accidents by reacting to potential hazards.

Right of Way: The legal right to proceed first at an intersection or when merging onto a roadway.

Safe Following Distance: Maintaining a sufficient space between vehicles to allow for safe stopping in emergencies.

Yield: Giving the right of way to other drivers or pedestrians when required by traffic rules.

Three-Second Rule: A guideline for maintaining a safe following distance by keeping at least three seconds of space between your vehicle and the one ahead. DWI (Driving While Intoxicated): Operating a motor vehicle under the influence of alcohol or drugs, a serious offense.

Distracted Driving: Engaging in activities that divert attention from driving, such as texting, talking on the phone, or eating.

Speed Limits: Maximum allowable speeds posted on roadways, which must be obeyed by drivers.

Defensive Driving Online Course: A web-based version of the defensive driving course, offering convenience and flexibility for participants.

Insurance Premium: The amount of money paid by a policyholder to an insurance company for coverage.

Premium Discount: A reduction in insurance premiums provided to drivers who complete a defensive driving course.

Insurance Provider: The company that offers auto insurance policies to individuals and businesses.

Policyholder: The individual or entity that holds an insurance policy and is covered by it.

Underwriting: The process by which an insurance company assesses risks and determines policy pricing.

Deductible: The amount of money a policyholder must pay out of pocket before their insurance coverage begins.

Coverage Limits: The maximum amount an insurance policy will pay out for specific types of claims.

No-Fault Insurance: A type of auto insurance that provides coverage for medical expenses and certain other damages regardless of fault in an accident.

Uninsured Motorist Coverage: Insurance that protects policyholders if they are involved in an accident with an uninsured or underinsured driver.

Liability Insurance: Coverage that pays for damages and injuries to others if the policyholder is at fault in an accident.

Comprehensive Coverage: Insurance that covers damage to a policyholder's vehicle caused by factors other than collisions, such as theft, vandalism, or natural disasters.

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