Can A Vehicle Be Registered With No Insurance As Long As Its Not Driven

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

The New York State registered motor vehicle yous drive on a public route or highway in New York State, or that you allow someone else to drive, must be covered by liability insurance. Vehicles registered outside New York State and operated within this state must suit with the New York State financial responsibility constabulary. New York State law requires this liability insurance to protect you lot and other highway users who may be involved in an accident with you:

Unless your registered vehicle is a motorcycle, information technology has to be insured even when it is in storage or non being driven. If you have a motorcycle, its insurance coverage must be in event whenever the vehicle is operated on a public road or highway.
Your vehicle's insurance and registration must always exist in exactly the same proper name. Yous should ever carry the insurance ID carte du jour in your vehicle.
Insurance companies may provide proof of auto liability coverage in a newspaper or electronic format. The electronic format must exist capable of being displayed on a portable electronic device.
The insurance coverage must be obtained from a company licensed past the NYS Section of Financial Services and authorized by DMV. Out-of-country insurance is not acceptable.

When your vehicle becomes insured, your insurance visitor must file your coverage electronically with the Department of Motor Vehicles (DMV). Your company also will issue you an insurance identification carte so you can register your vehicle at the DMV. Still, your insurance ID card solitary does not evidence yous take coverage. Country law requires electronic filing of coverage by your insurance company.

What Happens If My Vehicle Doesn't Accept 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 not properly notify the DMV electronically, your vehicle registration volition be suspended and your commuter license could also go suspended.

How Would Driving Without Insurance Affect My Driver License?

Your driver license and vehicle registration will be revoked for at least 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 volition as well be revoked for at least 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 $one,500 for driving without insurance or allowing someone else to bulldoze your uninsured vehicle. You volition have to pay the DMV an additional civil punishment of $750 to get your license dorsum after revocation.

How Do I Avoid A Problem?

Call up this simple dominion: no insurance, no plates!
Make sure the DMV always has your current address for both your vehicle registration and your driver license. You lot must keep the liability coverage on your motor vehicle for as long as your vehicle is registered in New York Country. Your liability coverage must be provided by a company licensed by the NYS Department of Financial Services. Out-of-land coverage is never acceptable on any vehicle registered in New York State. If your NYS insurance is going to end for any reason, turn in the license plates to DMV before your coverage ends. Exist sure to obtain a receipt showing that you lot turned them in. If your insurance is ending, you must plough in your plates fifty-fifty if your car or truck will exist parked off the public road or put into storage.

If you Practice Not have valid liability insurance coverage for your vehicle, you MUST IMMEDIATELY turn in your registration and license plates at a DMV office or complete the Plate Surrender Application (PD-7) for each set of plates y'all are surrendering andmail t he application with your plates to

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

NOTE: Motorbike plates Exercise NOT accept to be surrendered to DMV when liability insurance lapses. However, it is illegal to operate a motorcycle when it does non accept proper liability insurance.

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

Read the alphabetic character advisedly, and reply it chop-chop! The DMV letter of the alphabet means an insurance company has notified the DMV that your insurance coverage has concluded, and that no other company has notified the DMV about new coverage. Read the insert that came with the letter and follow its instructions advisedly. If there is a problem, do not assume your insurance visitor will take care of information technology. If you actually practise have insurance, respond as the letter instructs, and so contact your company or agent about the trouble. Ask your company to file a detect 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 company did not file your coverage with the DMV electronically. Contact your company or amanuensis and ask them to file a notice of coverage. If the DMV does not receive proper notification electronically from the insurance company, your registration and license volition exist suspended.

What If My Insurance Coverage Has Not Lapsed?

If you lot receive a counterfoil detect from your insurance company and you exercise not believe your coverage has really ended or been cancelled, contact your insurance amanuensis or company immediately.

Practise not use the vehicle if coverage has ended, even if you lot remember information technology ended considering of a fault.
If your liability coverage is going to end and you are not going to immediately replace it with other coverage, turn in your license plates to the DMV before coverage ends. If y'all do not, your vehicle registration and driver license volition be suspended.
Do not go along the plates while you work out a problem with the insurance company. Turn the plates in to the DMV! You tin can get your registration back and new plates when the trouble is corrected. If your insurance coverage becomes reinstated or if you obtain coverage from a dissimilar visitor, be sure the new company notifies DMV electronically.

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

If this happens, your insurance visitor reported that the proof of insurance you gave to the DMV was not valid and y'all exercise non have liability coverage with them. If y'all do take coverage with that company, contact your insurance company and enquire them to file a notice of coverage with the DMV electronically. The company must file detect electronically - paper proof or e-mail messages are NOT acceptable. Your proof of insurance cannot be filed electronically by your insurance agent or broker; information technology can exist filed electronically only by your insurance company.

If your vehicle is now insured with a different visitor, provide your new insurance ID card to the DMV and ask your new company to file your coverage with the DMV electronically.

What If I Don't Follow These Steps?

Do not drive any vehicle that is not insured. Yous could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you do not follow these steps, your vehicle registration will be suspended. Yous must plough in your vehicle'south license plates to the DMV. The registration suspension will last for the same number of days that your vehicle was without liability coverage and the plates had non been turned in.

If the registration suspension menstruum becomes more than than 90 days, your driver license will too be suspended. The license intermission will be in outcome until it is reinstated afterwards the stop of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license pause termination fee. For a suspension that has an effective date on or later July 6, 2009, the termination fee is $fifty.

How Tin I Avoid Suspension of My Registration?

If your insurance coverage lapse is xc days or less, you may take the option to pay a civil penalization instead of turning in your license plates to the DMV. This civil penalty choice is not available if your insurance lapse was for more than 90 days or if you take used the ceremonious penalty option for a registration suspension within the previous 36 months.

Civil penalty is based on the number of days insurance is lapsed
Insurance Lapse - In Days	Civil Penalty
one - 30 days	$ 8 per twenty-four hour period
31 - 60 days	$10 per day
61 - 90 days	$12 per day

Case 1: If your insurance lapse is 25 days, you may pay a civil penalisation of $200 ($8 per day for 25 days) and not plow in your plates, or you must surrender your plates and serve a registration suspension of 25 days.

Case two: If your insurance lapse is 90 days, yous may pay a total penalty of $900 ($eight per solar day for the first 30 days = $240; plus $x per day for 31 days to 60 = $300; plus $12 per day for days 61-xc = $360) and non turn in your plates; or you must give up your plates and serve a registration suspension of 90 days.

C-43 (12/03) Edited for the Cyberspace 1/xiv

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