What is New York Premises Liability Statute?

New York’s premises liability laws require property owners to keep their property safe for visitors. If someone gets hurt (e.g. slip and fall) the owner may be liable. Drivers should know this as it overlaps with vehicular liability on private property which defensive driving courses help with.

How long is the online defensive driving course in NY?

The New York Defensive Driving Course is 6 hours long as required by the New York State Department of Motor Vehicles (NY DMV). You can complete it online at your own pace and log in and out as needed.

What is the liability limit in NY? New York requires:

$25,000 per person for bodily injury $50,000 per accident for bodily injury $10,000 for property damage You must meet these limits to drive in the state.

Is NY a No-Fault state?

Yes, New York is a No-Fault state. Your own insurance will cover your medical and lost wages after an accident regardless of who was at fault. Defensive driving courses can help reduce your chances of an accident and the costs that go with it.

Can I take the defensive driver course online in NY?

Yes, the New York DMV allows online defensive driving courses. These courses meet state requirements and you can get the same benefits as an in-person class (point reduction and insurance discounts).

Does the defensive driving course lower insurance in NY?

Yes, completing a New York defensive driving course can lower your car insurance by up to 10% for 3 years. This applies to liability, no-fault and collision coverage.

Can I still drive if I have 6 points on my license?

Yes, but 6 points triggers a Driver Responsibility Assessment (DRA) fee. Defensive driving courses can reduce up to 4 points from your record and save you from higher fees or license suspension.

What is the Driver Responsibility Assessment (DRA) in NY?

The DRA is a fee charged by the NY DMV if you get 6 or more points on your record within 18 months. The fee starts at $300 and increases by $75 for each additional point. Defensive driving course can reduce points and lower your chances of paying this fee.

How do points affect my New York driver’s license?

Points on your license can lead to higher insurance, additional fees or license suspension. If you get 11 points within 18 months your license will be suspended. A defensive driving course reduces points and minimizes these risks.

Can new drivers take a defensive driving course in NY?

Yes, new drivers should take a defensive driving course to learn safe driving techniques, lower their insurance rates and avoid getting points early in their driving career.

When does the defensive driving course insurance discount apply in NY?

The discount applies at the next policy renewal. You’ll need to provide your insurance company with the certificate of completion to activate the discount.

How often can I take the defensive driving course in NY?

You can take the course every 36 months to maintain the discount. You can also take it to reduce points from your license as needed.

Does the course teach skills for New York roads?

Yes, the course covers New York specific scenarios such as driving in congested cities, harsh weather conditions and state specific traffic laws.

What if I don’t finish the course on time?

Most online courses give you plenty of time to complete. However if you don’t finish within the required time you may need to re-register. The online format gives you the flexibility to finish at your convenience.

Are there more benefits to taking a driver safety course in NY?

Yes, besides insurance savings and point reduction, the course will improve your driving skills, help you anticipate and avoid road risks and can be used as proof of safe driving for employers or courts.