N.J. Admin. Code § 11:3-24.5

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

Section 11:3-24.5 - Procedure to obtain rate reduction

(a) Insurers may require the named insured on the policy to apply for the rate reduction by notifying the insurer of the successful completion of a defensive driving course.

(b) Insurers shall establish procedures to process and verify requests for rate reductions pursuant to this section based on:

1. The completion of a defensive driving course that appears on the driver record abstract. All drivers who have taken an approved defensive driving course will have the date the course was actually completed as the event date and one or more of the following event codes on their driver record abstract:

i. PDP-M-DDCC described as POINT CREDIT--DEFENSIVE DRIVING PROG used until July 1996, for drivers with zero points;

ii. DMV-M-DDCC described as DEFENSIVE DRIVING COURSE used after July 1996, for all drivers regardless of point accumulation, in addition to the two event codes in (b)1iii and iv below that are used if the driver had a point accumulation before taking the defensive driving course;

iii. DDP-Z-PC01 described as POINT CREDIT--DEFENSIVE DRIVING PROG used for drivers with one point;

iv. DDP-Z-PC02 described as POINT CREDIT--DEFENSIVE DRIVING PROG used for drivers with two or more points; or

2. The acceptance from the insured of a certificate or other documentation from an approved defensive driving course provider that indicates that the insured successfully completed a defensive driving course.

(c) Insurers shall provide written notification of the availability of the rate reduction with all new business and renewals.

N.J. Admin. Code § 11:3-24.5