N.J. Admin. Code § 11:3-24.4

Current through Register Vol. 56, No. 23, December 2, 2024

Section 11:3-24.4 - Application of defensive driving rate reduction

(a) An insured may receive a rate reduction for successful completion of a defensive driving course provided he or she is the named insured or principal operator of an automobile insured under the policy or is an occasional operator whose experience is used to rate the policy.

(b) If the policy insures two or more automobiles, the rate reduction shall apply only to the automobile(s) principally operated or assigned to the person who has completed the defensive driving course. Only one rate reduction may be applied to an automobile on the policy.

(c) The rate reduction shall be applied for three years beginning with the next policy period after completion of the defensive driving course, as follows:

1. The rate reduction shall be applied if the driver completed the defensive driving course in the three year period immediately preceding the new business or renewal effective date of the policy.

2. The rate reduction shall not be applied during the three-year period beginning with the completion of the defensive driving course and ending with the new business or renewal effective date of the policy, if the driver who completed the defensive driving course accumulates four or more motor vehicle points or has his or her drivers license suspended for one of the reasons listed in N.J.A.C. 11:3-35.4(e)1.

(d) The rate reduction shall be applied or removed at new business inception or upon renewal of the policy, not mid-term.

N.J. Admin. Code § 11:3-24.4