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New York's Point & Insurance Reduction Program New York state has a driving record points system. For every type of moving violation conviction, drivers will receive demerit points on their driving records. Violations can include speeding, reckless driving, failure to yield, DUI, or violations involving traffic signs or signals. The amount of points depends upon the severity of the violation. After receiving a certain number of points, disciplinary action in the form of a license suspension or revocation will occur to the driver from the Department of Motor Vehicles (DMV).Drivers who wish to lower the number of points on their record have the option of completing a Point and Insurance Reduction Program (PIRP). There are many benefits to completing an approved PIRP through a private company called course sponsors. Throughout the educational course, drivers will receive an overview to traffic laws, learn driving safety tips, and refresh their driving skills. In some cases, drivers will be eligible to have points taken off their driving record. They might also benefit from lower insurance rates.The course is available in traditional classrooms or online...more
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Though there are a lot more people out there who consider insurance as liability, it can be a very important investment in the emergencies. I don't really want to overvalue it but the premium is much more cost-effective way of handling the...more