Reader’s Question:
My auto insurance policy is about to lapse. I know that having a lapsed insurance would mean having my license and registration suspended. What should I do to prevent this from happening? And if my license and registration were suspended, for how long will it be suspended?
Bobby
Babylon, NY
Surrender your registration and license to New York Department of Motor and Vehicles ASAP. By doing this before your insurance lapses, then you would prevent having a suspended license and registration. However, if you pay a civil penalty fee, you will not be asked to surrender your plates for 90 days or shorter suspension. But remember that you cannot use this option if: the insurance lapse is beyond 90 days or you have chosen to pay the penalty within the 3-year period.
Following are the amounts for civil penalty calculated for each day of the lapse:
” Day 1 to day 30: $8/day
” Day 31st to day 60: $10/day
” Day 61st to day 90: $12/day
Now, for your second question, if you had a lapse in your insurance and was not able to surrender your car plates, then your registration will be suspended on the number of days that you keep your vehicle plates but does not have insurance coverage. If it exceeds for more than 90 days then your license will be suspended for the same number of days that your registration is suspended. And for you to reinstate your license, you must pay $25 termination fee once the suspension ended.
It’s always best to make sure you keep insurance policy to avoid any problems. If paying too much for your insurance policy is the reason why you can’t keep your policy then start shopping around for insurance quotes in Babylon, NY. You can start right now by just entering your zip code here.
Tags: auto insurance lapse, car insurance
