Defensive Driving Course (DDC):
A state-approved program designed to improve driving skills, reduce traffic violations, and earn insurance premium discounts.
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.
A citation issued by law enforcement for a traffic violation, typically accompanied by fines and potential points.
A common traffic violation involving driving above the posted speed limit.
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.
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.
Giving the right of way to other drivers or pedestrians when required by traffic rules.
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.
Engaging in activities that divert attention from driving, such as texting, talking on the phone, or eating.
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.
The amount of money paid by a policyholder to an insurance company for coverage.
A reduction in insurance premiums provided to drivers who complete a defensive driving course.
The company that offers auto insurance policies to individuals and businesses.
The individual or entity that holds an insurance policy and is covered by it.
The process by which an insurance company assesses risks and determines policy pricing.
The amount of money a policyholder must pay out of pocket before their insurance coverage begins.
The maximum amount an insurance policy will pay out for specific types of claims.
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.
Coverage that pays for damages and injuries to others if the policyholder is at fault in an accident.
Insurance that covers damage to a policyholder's vehicle caused by factors other than collisions, such as theft, vandalism, or natural disasters.