Will Seat Belt Violation Cause My Car Insurance To Go Up?
Reader’s Question:
I received a seat belt violation in Yonkers NY and I would like to know if this may cause for my auto insurance to go up? I also heard that this violation may take off my insurance discount, is this true? I live in a New York state.
Denver
Yonkers, NY
If this seat belt offense is your first and only minor moving violation in New York State then it should not cause a surcharge to be added to your car insurance policy.
If you already have other traffic violations on your NY driving record then an infraction of this seat belt violation could cause your insurance rates in Yonkers NY to rise but if this is your first minor moving violation then a surcharge would not be charged and therefore your premiums would not be raised due to only this citation.
Your insurance company may take off a safe driver discount, etc for a traffic violation though so you should check with your insurance agent or company for information on your insurance company’s rating system.
New York DUI Auto Insurance Quote
Reader’s Question:
Recently, I got a DUI in New York but having a New Jersey license and most likely, I will be charge with DWAI. Someone told me that in NY, the DUI will remain on my record for seven years but my lawyer informed me that in New York, it will remain on my record for lifetime. Can you please tell me if I the DUI record ill be removed after 7 years?
Jim
Islip, NY
The New York State Department of Motor Vehicles states that convictions for moving violations, accidents, and the suspensions or the revocations of your driver license stay on your driver record for a different amount of time.
According to the NYS DMV a conviction that is alcohol-related or drug-related (for example, DWI, DUI DWAI) stays on a driver record for exactly ten years. If a motorist is convicted of the same infraction during that ten years, the motorist can receive additional penalties.
There are other accidents and infractions of a major type that can stay on a motorist record for more than ten years. In addition, a NY revocation or suspension of a driver license that was not cleared or not terminated stays on a driver record indefinitely.
If NJ placed this New York offense on your NJ driving record then you may also be receiving penalties in your New York . In NJ a DUI conviction will stay a permanent part of your NJ driving record.
Do I Have To Register My Car To Get Auto Insurance in New York?
Reader’s Question:
Do I have to register a car first in Bronx New York before insuring it or is it the other way around?
Maddie
Bronx, New York (NY)
You need to insure your car before registering it in Bronx New York . When registering a car one of the items you need to bring to the NYS Department of Motor Vehicles is a New York State Insurance Identification Card (FS-20).
The Insurance Identification Card can be a fax or a copy, but the barcode must be readable by a New York DMV barcode reader. After you purchase a car, bring the proof of ownership to an insurance agent or broker authorized to do business in NYS, and get this required insurance card.
The registration application must have the same name as the FS-20 and must have a barcode. The FS-20 must be presented within forty five days of the effective date of the insurance coverage.
Auto Insurance Rate Increase After New York Speeding Ticket?
Reader’s Question:
I live in New York, NY. My friend got a speeding ticket while driving my car, which is covered under my father’s insurance. Will his rates go up, or only my friend’s insurance rates? will he ever find out that a speeding violation was made in his car in New York?
Bob
New York, NY
Speeding tickets are normally written to a person, the driver of the car, and not the vehicle. Due to how the citation is written in New York, your friend will be the one that should show the conviction for the speeding violation in his driving record.
Once your friend pays the ticket the infraction should appear on his driving record New York and thus his insurance rates (not your father’s) could be affected depending upon his insurance company’s rating system. If your friend takes care of the ticket properly it is doubtful that your father would find out about the speeding ticket that someone received in his car. You can verify with the NYS Department of Motor Vehicles to make sure.
Penalty For Lapse New York State Car Insurance?
Reader’s Question:
What are the penalties for insurance lapse in the New York state?
Polly
Buffalo, NY
Anytime that your car is registered but not insured in NYS it can cause a lapse in your auto insurance coverage and suspension of your driver’ license. The New York Department of Motor Vehicles should notify you once they are aware of a lapse in your car insurance by a letter. This letter will give you instructions on how you need to show proof that you have insurance or sold the car. If you cannot prove this, you will need to surrender your vehicle’s license plates to the NYS DMV and get a receipt when you do so.
You may not be required to surrender your vehicle’s license plates for a lapse of 90 days or shorter if you pay a civil penalty fine. There is a sure way in which to calculate what the fine will be so I suggest you contact the DMV. If the the auto insurance lapse exceeds 90 days your driver license will be suspended. they will suspend your registration and driver license indefinitely if you do not surrender your plates to the DMV . To have your driver license reinstated you must pay a fee of $25 when the suspension ends.
International Student Auto Insurance in New York?
Reader’s Question:
I am French college student and I will be visiting my friends in New York for a 6- month holiday. I will have permission to drive my friend’s vehicle but want to know what I should do about the auto insurance?
Allen
Babylon, New York (NY)
In New York State, auto insurance is mandatory and you may find it to be expensive if you do not have a U.S. license. Some insurance providers add a surcharge if you do not have a U.S. driver’s license.
I would first recommend seeing if your friend’s insurance carrier will allow you to be put on his/her policy while you are in visiting. If not, shop around, many car insurance providers will allow you to begin your insurance with an international license but would require you to get a State driver’s license within thirty days.
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