Sometimes we have no choice. Always be ready to fight back. You’re not driving it anywhere, so what’s the harm? Many motorists opt to buy more than the minimum coverage in order to protect their assets, but this is not legally required. But you also know that, without auto insurance, your engine will still turn over, slip into gear and take you to work or the supermarket, or anywhere else you need to go. Consolidated Laws of New York. How Do I Find Out if I Have Car Insurance? Lynn Saville / The Image Bank / Getty Images. But what about car insurance? All of those ways are written out in the New York State Vehicle and Traffic Law (NYS VTL). Consider Yourself Warned: Do Not Drive Without Insurance in GA, SR-22 Car Insurance: Reasons Not to Let It Cancel, Penalties for Driving With No Car Insurance in North Carolina. If you do not have at least the minimum, though, then you could be in serious legal trouble. Vehicle & Traffic Law ARTICLE INDEX - VTL sortable index listed by article / description. You know that you should have it. Currently, the daily fee in New York State is $8 for the first thirty days, $10 for the next thirty, and $12 for the final thirty. nys vtl 403, Cheektowaga, NY. Uninsured Motorist- VTL … So far, all of the costs and penalties we have discussed concern about what you will owe to the state for having no insurance. Penalties for driving uninsured in an accident. You should talk with an experienced NY traffic crimes lawyer to find out what your best option is for responding to an accusation that you drove with no valid insurance. In certain cases a 15 day jail sentence can be imposed. DMV can revoke the driver license of the driver of the vehicle, and also take action against the registrant of the vehicle if appropriate. No Licensed Driver in Towed Vehicle- VTL (29d) MANDATORY REVOCATION. Those expenses could be devastating. If there is a reason to suspect your vehicle is uninsured, you may receive an inquiry letter and will need to respond to it in a timely manner. Accessed Dec. 21, 2020. If you are accused of allowing your automobile insurance to lapse, you are facing the threat of serious potential consequences including the possibility that you’ll temporarily lose your license to drive. This means if you get into a collision with three people, your insurer would pay up to $25,000 to each individual person, but would pay a total of $50,000 for the entire accident. New York State Department of Motor Vehicles. And the reality is, at the very least, you probably won’t save any money. Again, the shorter the search, the better. Let’s face it: without making sure that these things are in working order, your vehicle just won’t run as smoothly as it can—if it can even get started and make it onto the road. An insurance card indicating valid automobile liability must be produced, and failure to produce same is prima facie evidence that the vehicle is uninsured. Title 2 . Simply taking the car off the road isn’t enough to absolve you of you responsibility to maintain continuous coverage for your auto insurance. Your license and registration will be suspended, and you will need to pay fines and penalties. Also, at the end of your license revocation period, you will be required to pay a civil penalty to the DMV for $750.. Every NYS VTL Code, Description, Point Value, Fine Amount Per Violation, and Estimated Insurance Premium Increase. If you become involved in an accident while not insured, the DMV can also be notified of your failure to comply with the law requiring at least a minimum amount of bodily injury liability coverage. VEHICLE AND TRAFFIC LAW §§ 1604, 1640, 1646, 1684; L. 1996, CH. And although those costs can be steep, they pale in comparison to what you might end up paying if you cause an accident. However, we almost always have a choice on where to cut back. Whether we fight to help you avoid penalties or work to negotiate a deal to reduce consequences, our goal is always to protect your right to drive and to help you get the best outcome possible for your situation. Some states are moving towards impounding vehicles without insurance. If moving over would cause a driver to be out of compliance with a road marking, sign or lines – a driver does not have to move lanes. We’ll work hard to try to protect your license and finances, regardless of which approach is right for you. There is no need to type in “NYS VTL” or any variation. Legal Disclaimer Privacy Policy, possibility that you’ll temporarily lose your license to drive, Failing to Notify DMV of Address Change in 10 Days. If you are going to allow your insurance to lapse on any vehicle, even a car that you are not driving, you are expected to tun in your vehicle’s license plates and to turn in the vehicle registration to the Department of Motor Vehicles. Emily Delbridge wrote about car insurance and loans for The Balance from 2011 to 2020. The delegation in VTL § 1640(a)(22) provides authority for cities and villages to enact regulations setting aside on-street parking for use by employees of an adjacent government facility belonging to … Did you know that there are almost 1,000 ways to get a traffic ticket in NY? Considering the applicable reinstatement fees and penalties, the bottom line is that you likely will not save any money by letting your auto insurance lapse. CALL NOW Every vehicle that is driven within the state of New York must have a valid registration. Improper Towing/More Than One Vehicle- VTL 375 (29a) No Hands-on Wheel or Steering Device- VTL 1226. A New York traffic crimes attorney can assist you in better understanding your options when you have been accused of driving without insurance. How to Surrender (Return or Turn in) Your Plates to the DMV, How to Pay an Insurance Lapse Civil Penalty. 1210 Unattended Motor Vehicle 1211 Limitations on Backing 1212 Reckless Driving 1213 Obstruction to Driver’s View or Driving Mechanism 1214 Opening and Closing Vehicle Doors 1215 Driving on Mountain Highways 1216 Coasting Prohibited 1217 Following Emergency Fire Vehicles Prohibited 1218 Crossing Fire Hose 1219 Putting Glass or Other Injurious Substances on Highway Prohibited 1220 Explore Resources For... Cases & Codes. Substantial fines could result from being uninsured, and you could lose your license to drive a car. According to the New York Department of Motor Vehicles, failing to have required minimum automobile insurance could result in a costly fine, among other consequences. Driving without insurance in any state is not recommended, including in the state of New York. If you fail to turn in your plates and get new insurance within 90 days, you will have to pay a registration reinstatement fee based on the number of days your registration was suspended. To find out more about the help that we can offer if you’ve been accused of operating a vehicle without insurance, give us a call today. Section 401 of the Vehicle and Traffic Law of New York (VTL § 401) outlines the fines and penalties associated with not having renewing your vehicle registration. The cost of your citation will be a fine of between $150 and $1,500, or 15 days in jail. They could end up wiping out the assets of even the wealthiest drivers. This will happen even if your car or truck is parked off of a public road or put into storage. Resolution 2017-390 ... 17. New York State Department of Motor Vehicles. A simple lapse in your insurance, however, would be the least of your problems. ... 403-1 . In the state of New York, the insurance companies and the government coordinate with one another every day. Underinsured and uninsured motorist coverage is available in New York and is recommended if you think that you might be in an accident with someone who has failed to get insurance for their vehicle for who does not have enough coverage. We have efficiently helped thousands properly fight ill-gotten traffic tickets. She has been a licensed Personal Lines Insurance Agent since 2005. Motorists can also face the loss of their license and the assessment of this penalty if they allow someone else to drive their car without insurance. THE best way to find your information is by using the VTL section number if you know it. Vehicle & Traffic Law VIOLATION GUIDE - Common traffic law violations. Even outside of infractions calling attention to your uninsured status, New York State can also discover you aren’t properly insured in other ways, including reports of policy cancellations from insurers. Since not renewing your license is a non-moving violation, there are no points that will be assessed against your license. Motorists who do not do their research and affix a fictitious sticker to their car from an unauthorized inspection station are left fighting a $300 ticket, $85 surcharge and possibly 30 days in jail under V&T Law section 306-f. Now the penalties get bigger more quickly. Vehicles impounded under the NY State Vehicle and Traffic Law (VTL) for violations of Section 511.2 and 511.3, Aggravated Unlicensed Operation are NOT County Law Seizures. NY Traffic Firm has provided help to many motorists who are facing legal trouble as a result of not having insurance coverage. Could Your Vehicle be Impounded in Utah for Driving Without Car Insurance? Between paying for gas, changing the oil, checking the tires and brakes, there always seems to be something that needs replacing, fixing or filling up. Moreover, producing an invalid or expired insurance card is illegal, and producing such a card upon demand is not an infraction but a crime. Over-eager traffic enforcement intermingles with errors every day. Vehicle & Traffic . How devastating? Vehicle & Traffic Law DWI / DWAI VIOLATIONS - Penalties, fines, jail time. No Seat Belt Ticket NYS VTL § 1229-c. White Plains Traffic Violation Lawyer What if you decide to take your uninsured vehicle for a spin? NYS VTL § 1252 (b) states, “The operator of a motorcycle shall not overtake and pass in the same lane occupied by the vehicle being overtaken.” NYS VTL § 1252 (c) states, “No person shall operate a motorcycle between lanes of traffic or between adjacent lines or rows of vehicles. Our legal team can review the facts of your situation and can assist you in deciding on the best approach to take to respond to accusations. Vehicles impounded solely under these sections of the NY State VTL are subject to different release procedures. You don’t have roll over, pay the citation and be done. Do You Know the Minimum Auto Insurance Requirements in Michigan? Sometimes, those options include defending against the accusations because there is insufficient proof that you had no insurance or because you can raise an affirmative defense showing why you were not insured. Accessed Dec. 21, 2020. See, NY VTL § 319(3). However, a fire vehicle may display the red and/or white flashing lights while returning from an alarm or fire or other emergency. Even if someone else was driving your uninsured vehicle at the time of the collision, your license and registration can still be revoked. Allowing your insurance lapse sounds pretty passive, does not it? See, NY VTL § 319(2). New York State Vehicle and Traffic Law 319 states that driving without insurance is a traffic infraction that carries a civil penalty of $150 to $1500 (depending … Sections (§§) 100 - 161 . (212) 300-2832, ©2017 NY Traffic Firm | Attorney advertising. Can You Save Money By Driving Without Car Insurance In Florida? Give us a call today to find out more. Other penalties may also be imposed as well, and driving an unregistered vehicle can also impact your driving record. Under Section 319 of the New York Vehicle and Traffic Code, if you are caught driving your vehicle without proper insurance, you will be cited, and your license will be revoked for at least one year. We all know that owning and maintaining a car or truck is expensive. If your vehicle does not have insurance and you or someone else driving your uninsured vehicle are involved in a traffic crash, the DMV will revoke your driver license and vehicle registration for at least one year. If you do not comply with the requirements to purchase at least the required minimum amount of insurance coverage, you could face very serious legal consequences. This site contains the full online searchable text of the Alcoholic Beverage Control Law, the Criminal Procedure Law, the Penal Law and the Vehicle and Traffic Law for the State of New York. Start studying NYS Vehicle and Traffic Law. Law § 3420(f)(1) (McKinney 2000) all motor vehicle liability policies issued for vehicles in New York must provide for a minimum amount of $25,000/50,000 in uninsured motorist coverage in the event that occupants of an insured vehicle suffer bodily injury or death as a result of an accident caused by an uninsured vehicle. The odds are in your favor when you work with NY Traffic Firm. A motorist who is convicted of operating an uninsured motor vehicle could have his or her license revoked for at least a one year period of time. Here’s the harm: According to the New York Vehicle and Traffic Code, you are required to turn in your registration and surrender your license plates before your insurance policy is canceled., The moment your policy lapses, the insurer will electronically notify the Department of Motor Vehicles and your vehicle registration will be immediately suspended. Penalties for Driving Without Insurance in New York, Letting Your Auto Insurance Lapse is a Terrible Idea, Driving Your Vehicle Without Insurance is an Even Worse Idea, Getting Into an Accident Without Insurance, These Are the Penalties for Driving Without Car Insurance in Texas, Fines and Penalties for Driving Without Insurance in South Carolina, Don't Hurt Your Financial Future with a Car Insurance Lapse, Here Is What Happens If You Drive Without Car Insurance in California. If you are accused of driving without insurance, or accused of allowing someone else to drive without insurance, you need to be proactive in responding to these serious accusations. New York Vehicle and Traffic Law VAT NY VEH & TRAF Section 313. If you get into a crash and it is your fault, you are responsible for the costs of any property damage and personal injuries that result. New York lawyers at NY Traffic Firm have helped many motorists who are facing serious legal consequences for operating uninsured vehicles. Our advice to you is to garner all of your strength and fight that urge—and here’s why. Learn vocabulary, terms, and more with flashcards, games, and other study tools. Words and Phrases Defined . You have to turn in the plates if you let your policy lapse, or consequences could be imposed for having an uninsured vehicle. Call (877) 631-3539 - The Claro Law Firm represents clients in Traffic Violation and Speeding Ticket cases. 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