In New York State, driving without car insurance is considered a criminal offense. State law requires that you purchase an auto insurance policy with at least 25/50/10 coverage. which breaks down into:
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Most New York drivers comply with the Financial Responsibility Law; only 5.3% do not have insurance. If you need to buy car insurance in New York and haven’t found a willing insurer, check out New York Car Insurance Plan.
If you are pulled over for a moving violation in New York, the officer may ask for your printed or electronic insurance identification card. Fines for driving without car insurance in New York are steep.
tickets for driving without car insurance
once you have a new york auto insurance policy, your insurer electronically files the information with the new york department of motor vehicles and sends you an insurance identification card to carry while driving.
As long as your car is registered in New York State, it should have liability coverage, along with an insurance card, driver’s license, and vehicle registration. If you don’t provide these documents during a traffic stop, the officer will assume you don’t have coverage, even if you have a policy and simply forgot to bring your ID card. That’s why it’s so important to bring your information.
You could face a fine of $150 to $1,500 each time you are caught driving without insurance or if you let someone else drive your vehicle without insurance. A New York court can also impound your car, put you in jail for up to 15 days, or revoke your driver’s license and registration. If the Department of Motor Vehicles has suspended your driving privileges, you may receive a notice in the mail similar to this form. to reinstate your license, you may also have to pay the dmv a fee of $750.
You have fewer options if your insurance has been lapsed for more than 91 days or if you have already paid a civil penalty in the last three years. Instead of paying the $750 fee, you will have to serve the suspension period before your New York license can be reinstated.
getting auto insurance after a coverage gap
You will also need to purchase an insurance policy before you can legally drive again. Not all insurers will cover a driver with a lapse in coverage, especially if he has had multiple violations, so you should consider companies that work with higher-risk drivers. we have listed some of these below.
sanctions for insurance failures
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Your insurer will notify the DMV if your auto insurance policy lapses for any reason. then the agency will suspend your license and registration and charge you a daily fine until you reinstate your coverage. These are the penalties you can expect to pay if there are gaps in your coverage:
If you are unable to pay these fines, you may surrender your vehicle registration and plates until the suspension period ends. If after 90 days you do not pay the fee and turn in your registration and plates, the DMV will also suspend your registration and driver’s license. to reinstate your license, you will need to pay a fee to the dmv.
penalties for driving without insurance in an accident
If you are involved in a car accident and do not have insurance, the New York DMV will take your vehicle registration and driver’s license for at least one year after the accident. Even if someone else was driving your vehicle without insurance at the time of the crash, your license and registration can still be revoked.
In addition to paying fines of up to $1,500 and a civil penalty of $750 to restore your license, you are also financially responsible for any damages or injuries resulting from the accident. If he unknowingly drove a vehicle without insurance and was involved in a crash, the insurance commissioner may exempt him from paying these costs.
the different penalties and fines in new york for driving without insurance
appeal your fine
If you are charged for driving without insurance but actually have a valid policy, then you should hire an attorney. This person can help him appeal the ticket in court and show that he has adequate liability coverage in New York State. Plus, your attorney can help you avoid jail time and license suspension.