New York Auto Insurance - Protection in the City that Never Sleeps
In the case of New York, having active auto insurance is mandatory at all times, as long as you have a vehicle with valid registration in your possession. In this case, you will need to find a policy which meets the state minimums for liability insurance coverage, even if you do not plan on driving your vehicle.
The New York auto insurance policy which you can get if you want to drive legally should cover $25,000 in the case of the injury of one person or $50,000 for the injuries sustained by various persons in one accident and $10,000 worth of property damage. Besides this, you also need Personal Injury Protection of $50,000 and uninsured/underinsured motorist coverage of $25,000 for one person or $50,000 for one accident if you get into a crash caused by a person who does not have insurance.
New York State has some pretty clear and harsh rules when it comes to insurance. If you lose coverage, you have to turn in your license plates as quickly as you can. If you fail to do so, your registration will be suspended for the number of days you kept your plates without being covered. If you keep your plates on for 90 days after your insurance fell below the minimum coverage amount, your license will also be suspended for the same duration as the suspension of the registration. In the case of drivers who do not present their plates after they have lost coverage, the state will suspend their license and registration indefinitely.
If it is already a few days since your insurance became void and you have not turned in your plates, you may also have to pay a civil penalty, depending on the number of days that have passed. For example, 1 to 30 days will cost you $8 per day, 31 to 60 days will cost you $10 per day and 61 to 90 days will cost you $12 per day. This option is only available once every 36 months.
The consequences of driving an uninsured vehicle in the state of New York are quite drastic. The smallest penalty you can receive is getting your driver's license and registration suspended, but if you get into a car accident the situation will aggravate things. It does not matter if you are responsible for the crash or if you get into an accident caused by someone else, your license and registration will be suspended for a minimum of 1 year. Penalties will also be given to those who drive uninsured vehicles and do not get into car accidents. For instance, $1,500 if you get caught driving an uninsured vehicle and the same fine if you allow someone to drive your vehicle while it is uninsured. You will have to add $750 to this fine when you will go to the DMV for your driver's license.
New York State is one of the stricter states when it comes to auto insurance policies. You need to understand all of the laws which are related to this department and be sure to follow them if you do not want to pay large fines or lose your driver's license.
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