Does Your Insurer Send Information To The State Your Carnis Registered In

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Why Do I Demand Liability Insurance On My Car, Truck Or Motorcycle?

The New York Country registered motor vehicle y'all bulldoze on a public road or highway in New York State, or that y'all allow someone else to drive, must be covered by liability insurance. Vehicles registered outside New York State and operated inside this state must arrange with the New York Land financial responsibility law. New York State law requires this liability insurance to protect y'all and other highway users who may exist involved in an accident with you:

Unless your registered vehicle is a motorbike, information technology has to be insured fifty-fifty when it is in storage or not being driven. If you accept a motorcycle, its insurance coverage must be in effect whenever the vehicle is operated on a public road or highway.
Your vehicle's insurance and registration must always exist in exactly the same name. You should e'er comport the insurance ID menu in your vehicle.
Insurance companies may provide proof of machine liability coverage in a paper or electronic format. The electronic format must be capable of being displayed on a portable electronic device.
The insurance coverage must be obtained from a company licensed by the NYS Section of Financial Services and authorized by DMV. Out-of-state insurance is non acceptable.

When your vehicle becomes insured, your insurance company must file your coverage electronically with the Department of Motor Vehicles (DMV). Your company too volition issue you an insurance identification card so you tin register your vehicle at the DMV. Still, your insurance ID card alone does not bear witness you accept coverage. Land law requires electronic filing of coverage by your insurance visitor.

What Happens If My Vehicle Doesn't Have Liability Coverage?

Your insurance company must notify the DMV electronically every time you obtain motor vehicle insurance liability coverage and whenever your coverage has ended. This also is true whether you have changed your insurance company or registered a replacement vehicle, or if your coverage has been reinstated. If your insurance company does non properly notify the DMV electronically, your vehicle registration will exist suspended and your commuter license could also become suspended.

How Would Driving Without Insurance Bear upon My Commuter License?

Your driver license and vehicle registration volition be revoked for at to the lowest degree one year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle non covered by liability insurance. Your license and registration will also be revoked for at to the lowest degree one year if someone else driving your uninsured vehicle is involved in a traffic crash and is convicted of operating without insurance.

The traffic court fine could be as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will take to pay the DMV an boosted civil punishment of $750 to get your license back after revocation.

How Practise I Avoid A Problem?

Recall this simple dominion: no insurance, no plates!
Make sure the DMV e'er has your current address for both your vehicle registration and your driver license. Y'all must go on the liability coverage on your motor vehicle for as long as your vehicle is registered in New York State. Your liability coverage must exist provided past a visitor licensed past the NYS Department of Fiscal Services. Out-of-state coverage is never acceptable on any vehicle registered in New York State. If your NYS insurance is going to end for any reason, plow in the license plates to DMV before your coverage ends. Be sure to obtain a receipt showing that you turned them in. If your insurance is ending, yous must plow in your plates even if your motorcar or truck will be parked off the public road or put into storage.

If you DO NOT have valid liability insurance coverage for your vehicle, you MUST IMMEDIATELY turn in your registration and license plates at a DMV office or consummate the Plate Surrender Application (PD-seven) for each set of plates yous are surrendering andmail t he application with your plates to

NYS DMV
6 Empire State Plaza
Room B240
Albany, NY 12228

Notation: Motorbike plates Exercise NOT have to be surrendered to DMV when liability insurance lapses. Yet, it is illegal to operate a motorbike when it does not have proper liability insurance.

What If I Get A Letter From The DMV That States My Insurance Has Lapsed?

Read the letter carefully, and answer it quickly! The DMV letter ways an insurance company has notified the DMV that your insurance coverage has ended, and that no other company has notified the DMV well-nigh new coverage. Read the insert that came with the letter and follow its instructions carefully. If there is a problem, do not assume your insurance company will accept care of information technology. If yous really do accept insurance, respond as the letter instructs, then contact your company or agent well-nigh the problem. Ask your company to file a notice of coverage with the DMV electronically.

What If I Get A Letter From The DMV That States My Insurance Company Didn't Verify My Coverage?

This means your insurance visitor did not file your coverage with the DMV electronically. Contact your company or agent and ask them to file a observe of coverage. If the DMV does not receive proper notification electronically from the insurance company, your registration and license will be suspended.

What If My Insurance Coverage Has Not Lapsed?

If you receive a cancellation find from your insurance company and you do not believe your coverage has really ended or been cancelled, contact your insurance agent or company immediately.

Do non employ the vehicle if coverage has ended, even if you recall it concluded considering of a fault.
If your liability coverage is going to end and you lot are non going to immediately replace it with other coverage, turn in your license plates to the DMV before coverage ends. If y'all exercise not, your vehicle registration and driver license will exist suspended.
Do not keep the plates while you piece of work out a problem with the insurance company. Turn the plates in to the DMV! You can get your registration back and new plates when the problem is corrected. If your insurance coverage becomes reinstated or if you obtain coverage from a different company, be sure the new company notifies DMV electronically.

Why Did I Get A Suspension For Invalid Proof Of Insurance?

If this happens, your insurance company reported that the proof of insurance you lot gave to the DMV was not valid and you do not accept liability coverage with them. If you exercise have coverage with that company, contact your insurance visitor and ask them to file a detect of coverage with the DMV electronically. The company must file notice electronically - paper proof or e-postal service letters are Not acceptable. Your proof of insurance cannot be filed electronically past your insurance agent or broker; information technology tin can be filed electronically only by your insurance company.

If your vehicle is at present insured with a dissimilar company, provide your new insurance ID card to the DMV and inquire your new company to file your coverage with the DMV electronically.

What If I Don't Follow These Steps?

Do not bulldoze any vehicle that is non insured. Y'all could be arrested or ticketed, and your vehicle impounded, by a law enforcement officeholder. If you practise not follow these steps, your vehicle registration will be suspended. You must turn in your vehicle'south license plates to the DMV. The registration intermission will last for the same number of days that your vehicle was without liability coverage and the plates had not been turned in.

If the registration suspension period becomes more than 90 days, your commuter license will also exist suspended. The license suspension will be in effect until information technology is reinstated afterwards the end of the registration suspension. To reinstate your commuter license, y'all must pay the DMV a $25 license suspension termination fee. For a suspension that has an constructive date on or after July 6, 2009, the termination fee is $50.

How Can I Avoid Suspension of My Registration?

If your insurance coverage lapse is 90 days or less, yous may have the choice to pay a civil penalty instead of turning in your license plates to the DMV. This ceremonious punishment option is non available if your insurance lapse was for more than than xc days or if you lot have used the civil penalisation option for a registration interruption within the previous 36 months.

Civil penalty is based on the number of days insurance is lapsed
Insurance Lapse - In Days	Civil Penalty
1 - xxx days	$ viii per day
31 - lx days	$10 per solar day
61 - 90 days	$12 per solar day

Example 1: If your insurance lapse is 25 days, y'all may pay a civil penalty of $200 ($8 per day for 25 days) and non turn in your plates, or you must give up your plates and serve a registration suspension of 25 days.

Example 2: If your insurance lapse is 90 days, you may pay a total penalty of $900 ($8 per day for the kickoff 30 days = $240; plus $ten per day for 31 days to lx = $300; plus $12 per twenty-four hours for days 61-90 = $360) and not plough in your plates; or you must surrender your plates and serve a registration suspension of 90 days.

C-43 (12/03) Edited for the Internet 1/14

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