How can I remove DMV points from NY driving record?

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If you have points on your New York driving record, you may have been referred to taking a Point and Insurance Reduction Program. The Point & Insurance Reduction Program (PIRP) is approved by the Department of Motor Vehicles. It is available through private companies or corporations. Often the New York DMV will refer to these private companies as course sponsors. Defensive driving courses to reduce insurance premiums and points are accessible in both online and classroom.

What is the difference between points on license & violations?

Sometimes, people who complete this program are still confused about what happens to their NY DMV driving record. One of the main misunderstandings that people have is that they confuse points with actual violations. Below is a useful chart to show the differences.

PointsViolations
You must be convicted of the traffic violation before points are added to your driving recordCompleting a Point and Insurance Reduction (PIRP) course does not remove a violation
Your point total is calculated based on the date of the violation, not the date of the convictionMost violations, convictions and points will continue to show on your driving record for up to 4 years
The points for violations that all occurred within the last 18 months are added to calculate your point totalViolations and convictions involving drugs or alcohol will remain on your driving record for ten years.
You can only use a Point & Insurance Reduction Program course to reduce up to 4 points once in an 18-month period

As you can see, points may be reduced via taking the PIRP course while the actual violation stays on your record.

Another misunderstanding is that insurance companies have their own point system. The New York DMV point system and your insurance company’s “point” systems are separate and not related. Point reduction on your New York driving record does not affect points assigned by your insurance company for violations and accidents.

People may also want to take the PIRP course to reduce exactly 4 points. If you get 11 points in an 18-month period, your driver license may be suspended. Per the New York DMV, point reduction means the number of points on your driving record used to calculate the number of total points received within 18 months will be reduced by 4 points, at most, and may help you avoid a suspension. This means that completing the course may help avoid a suspension but does not guarantee that your license will not be suspended. This is due to the point system is not being the only way to lose your license.

How many points on license is each traffic violation?

VIOLATIONPOINTS
Speeding (MPH over posted limit)
1 to 103
11 to 204
21 to 306
31 to 408
Over 4011
Reckless Driving5
Failed to stop for school bus5
Followed too closely (tailgating)4
Inadequate brakes (private car)4
Inadequate brakes (employer’s vehicle)2
Failed to yield right-of-way3
Disobeying traffic control signal, STOP sign or YIELD sign3
Railroad crossing violation5
Improper passing, changing lane unsafely3
Driving left of center, in wrong direction3
Leaving scene of property damage incident3
Child safety restraint violation3
Improper cell phone use5
Use of portable electronic device (“texting”)5
Any other moving violation2

To find out how many points are on your record and if you are at risk of license suspension, it is best to review your Abstract. Retrieving your Abstract, better known as your New York Driving Record, is simple despite what people think. You can request a copy from the New York DMV website, via mail, and of course your local DMV office. Click Here to view a sample Abstract.

Some frustrations that people may encounter after completing the PIRP course is that points are not reduced or the course completion does not reflect on the Abstract. Every course sponsor has up to 10 weeks from your course completion date to report your certificate to the New York DMV. In simple math, that is 2 and a half months. After the PIRP school has reported your completion, the New York DMV system will handle reducing eligible points from your driving record. The course completion will display under Activity section of your Abstract along with the period that the completion is valid for.

Point Removal – How Long Points Stay on NY Driving Record

As in all other states, drivers who violate traffic laws are given a citation. The state of New York also adds points to their driving record. Points can add up if a driver commits multiple traffic violations. The Driver Violation Point System (DVPS) allows the DMV to keep accurate records of driver infractions.

By keeping records, the DMV can monitor drivers that are considered high-risk. Those who operate vehicles in the state of New York are allotted a maximum number of points before the DMV takes further action beyond a traffic citation or point accumulation. In this case, the maximum number of points a driver can amass is 11.

How Are Points Calculated?

Three things determine how the DMV adds points to a driving record:

1. You must be convicted of the violation
2. Points accrue starting from violation date, NOT conviction date
3. Points accrued in the last 18 months are added to the point total


Examples of Points Assigned for Traffic Violations


The points system is based on a wide range of traffic violations. Notable examples include:

• 3 to 11 points: Speeding (depends on the amount over the limit)
• 3 Points: Failing to yield the right-of-way
• 3 Points: Leaving the scene of an accident (property damage only)
• 5 Points: Reckless driving
• 5 Points: Railroad crossing violation
• 5 Points: Using a cell phone while driving


Examples of Points That are NOT Assigned for Traffic Violations

• Bicycle violation
• Pedestrian violation
• Parking violation
• Unregistered, unlicensed, or uninsured driving
• Weight or emissions violation

Point Removal on Drivers License

Drivers who acquire points on their record may enroll for a DMV – approved Point Insurance Reduction Program (PIRP). The program will prevent you from getting your license suspended or revoked if you accumulate more than 11 points on your driving record within an 18-month period. You can reduce your record by up to four points by taking the course. The points will immediately be removed from your record with no wait time once you complete the course.

How Long Do Points Stay on the Record?

A traffic violation remains on a New York driver’s record for three years after the conviction. This is same answer when asking, “How long do points stay on your license?”

EXAMPLE:

The driver receives a ticket on April 1st, 2017, he or she will soon await the conviction.

If the conviction comes through on May 1st, 2017, then the points will be wiped off the record on May 1st, 2020.

The following year, the violation is wiped from the driver’s record.

Therefore, the record is cleared of the conviction on May 1st, 2021.

Although the points are kept on a driver’s record for three years, they are not used for accumulation purposes, but rather for assessment of the driver’s ability to safely operate a vehicle. Points accumulated for a suspension or revocation are only done so in any 18-month period. Therefore, if a receives a conviction for a violation on May 1st, 2021, the points for that violation can only be used against the driver until November 1st, 2022.

There are exceptions to the above rule when asking, “How long do points stay on your license in New York?” For instance, an alcohol-related or other DUI-related offense will remain on a driver’s record for ten years. Multiple DUI offenses can accrue more severe penalties. Any suspension or revocation of a license will remain on a driver’s record for up to four years. Serious offenses cannot be forgiven by safety driving courses.

Do defensive driving courses reduce DMV points in NY & NJ?

If you have received a traffic ticket or were at-fault in an accident, the Department of Motor vehicles issues you a certain number of points. Different infractions and reasons for accidents are assigned different point values. If you reach a certain level of points, your driver’s license may be suspended. However, signing up for a defensive driving course may reduce the number of points you have on your driving record.

This is important because insurance companies look at the number of points you have when deciding how much you will pay for insurance, and reducing your points helps to prevent your license from being suspended. Here is some more information you will want to know about defensive driving courses and point reduction in both New York and New Jersey.

How many DMV points can I remove by completing a defensive driving course in New York?

In the state of New York, you can take a defensive driving course once every 18 months to reduce the number of points on your driving record. Participating in one of these courses can reduce up to four points from your record toward a license suspension. However, taking this course will only reduce active points or points accumulated in the last 18 months.

To have the points taken off, you must enroll in a New York approved DMV defensive driving course. If you take a course that is not DMV approved, your points will not fall off. Upon completion, the school will notify DMV and they will take the points off your record. You will also receive a certificate of completion from the school. It is up to you to mail a copy of this certificate to your auto insurer. By law, your auto insurer is required to give you a ten percent auto insurance discount off your liability, no fault and collision premiums for three years after taking this course.

How many DMV points can I remove by completing a defensive driving course in New Jersey?

In the state of New Jersey, you can take a defensive driving course once every 5 (five) years to reduce up to two points from your driving record. You can take this course anytime you have points on your record if you have not had points removed in the past three years. The infractions do not need to be recent. To receive this discount, you must enroll in a course approved by the New Jersey Motor Vehicle Commission.

Just like in the state of New York, you automatically qualify for a ten percent discount on your liability, no-fault and collision premiums for three years after taking this course. You will need to submit the certificate of completion to your insurance company to qualify for this discount.

If you have received a ticket or were involved in an accident for which you were found at fault, the state-licensing department in your state will issue points against your driving record. Your auto insurer will then see those points and increase your auto insurance rates. Fortunately, the states realize that everyone makes a mistake and a single traffic infraction does not make you a bad driver.

As such, both New York and New Jersey will allow you to take part in a defensive driving course to remove a certain number of points from your record and receive a discount on your auto insurance premiums. This is a great way to improve your driving, while also ensuring you are not punished for a prolonged period of time due to one driving mistake.

Insurance Reduction for New York Drivers

insurance reductionNew York Drivers pay some of the highest insurance rates in the country. However they are also fortunate to live in a state which is one of the very few in the nation that mandates insurance companies to reduce drivers premium.  There is a caveat: a driver must complete a NY DMV approved Defensive Driving Course.  The good news you don’t have to spend six hours in a class.  Courses like ours, Improv Defensive Driving Course, are available online and can be taken at your pace.  Below are a few common questions about the course:

Q.  After completing the Defensive Driving  Course (aka as PIRP – Point and Insurance Reduction Course), how do I receive the insurance reduction?

A.   Upon completion Improv’s Defensive Driving course, we will issue you certificate of completion.   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.

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. However 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 reduction 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 young operators (under 18)  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 reduction.

Q.  If a youthful operator is already receiving a driver education reduction, will the PIRP discount also be applied?

A.  Check with your insurance company or agent to find out if both reductions will be given at the same time