Can You Use A Replacement Vehicle Insurance Card To Register A New Car

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

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

Unless your registered vehicle is a motorcycle, it has to be insured even when it is in storage or non beingness driven. If you take 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 ever exist in exactly the same name. You should always bear the insurance ID card 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 exist obtained from a company licensed by the NYS Section of Financial Services and authorized by DMV. Out-of-state 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 yous an insurance identification bill of fare so you can register your vehicle at the DMV. However, your insurance ID card alone does not prove you take coverage. State 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 fourth dimension y'all obtain motor vehicle insurance liability coverage and whenever your coverage has concluded. This as well 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 will exist suspended and your commuter license could also go suspended.

How Would Driving Without Insurance Affect My Driver License?

Your driver license and vehicle registration volition be revoked for at least i year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle not covered by liability insurance. Your license and registration will also be revoked for at least one yr if someone else driving your uninsured vehicle is involved in a traffic crash and is bedevilled of operating without insurance.

The traffic court fine could exist equally much as $ane,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will have to pay the DMV an additional ceremonious penalty of $750 to go your license back after revocation.

How Practise I Avoid A Problem?

Remember this simple rule: no insurance, no plates!
Make sure the DMV e'er has your current address for both your vehicle registration and your driver license. You must keep the liability coverage on your motor vehicle for equally long as your vehicle is registered in New York State. Your liability coverage must exist provided by a company licensed by the NYS Department of Financial Services. Out-of-land coverage is never adequate on any vehicle registered in New York State. If your NYS insurance is going to finish for whatever reason, plough 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, you must turn in your plates fifty-fifty if your auto or truck will be parked off the public route 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 you are surrendering andmail service t he application with your plates to

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

NOTE: Motorcycle plates Practise Not take to exist surrendered to DMV when liability insurance lapses. Withal, it is illegal to operate a motorcycle 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 information technology quickly! The DMV letter of the alphabet means an insurance company has notified the DMV that your insurance coverage has ended, and that no other company has notified the DMV about new coverage. Read the insert that came with the letter and follow its instructions carefully. If there is a trouble, exercise not assume your insurance company volition take care of it. If yous actually do have insurance, respond every bit the letter instructs, then contact your visitor or amanuensis near the trouble. Enquire your company to file a discover of coverage with the DMV electronically.

What If I Become A Alphabetic character 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 visitor or agent 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 will be suspended.

What If My Insurance Coverage Has Not Lapsed?

If y'all receive a cancellation notice from your insurance visitor and you do not believe your coverage has actually ended or been cancelled, contact your insurance agent or company immediately.

Do not use the vehicle if coverage has ended, even if you think it ended because of a fault.
If your liability coverage is going to end and y'all are not going to immediately replace information technology with other coverage, turn in your license plates to the DMV before coverage ends. If you do not, your vehicle registration and driver license volition exist suspended.
Do not proceed the plates while yous work out a problem with the insurance visitor. Turn the plates in to the DMV! You can become 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, exist 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 gave to the DMV was not valid and yous do not have liability coverage with them. If y'all do have coverage with that company, contact your insurance visitor and ask them to file a notice of coverage with the DMV electronically. The company must file discover electronically - paper proof or email messages are Non acceptable. Your proof of insurance cannot exist filed electronically by your insurance agent or broker; it tin can exist filed electronically only by your insurance company.

If your vehicle is now insured with a different visitor, provide your new insurance ID menu 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 non drive any vehicle that is not insured. Yous could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you practise not follow these steps, your vehicle registration volition be suspended. You must turn in your vehicle's 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 not been turned in.

If the registration suspension flow becomes more than xc days, your driver license volition also exist suspended. The license suspension will be in effect until information technology is reinstated after the finish of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license suspension termination fee. For a suspension that has an constructive engagement on or after July 6, 2009, the termination fee is $50.

How Tin I Avoid Suspension of My Registration?

If your insurance coverage lapse is 90 days or less, you may have the option to pay a civil punishment instead of turning in your license plates to the DMV. This ceremonious punishment choice is not available if your insurance lapse was for more than 90 days or if yous have used the ceremonious punishment pick 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
1 - 30 days	$ 8 per twenty-four hours
31 - 60 days	$x per day
61 - 90 days	$12 per twenty-four hours

Instance 1: If your insurance lapse is 25 days, you may pay a civil penalty of $200 ($eight per day for 25 days) and non plow in your plates, or you must surrender your plates and serve a registration pause of 25 days.

Instance 2: If your insurance lapse is 90 days, you may pay a total punishment of $900 ($eight per day for the first 30 days = $240; plus $x per day for 31 days to 60 = $300; plus $12 per day for days 61-90 = $360) and not turn in your plates; or you lot must surrender your plates and serve a registration suspension of 90 days.

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