Auto Insurance Question For New York Driver
Reader’s Question:
If somebody else is the primary driver on a car, can I insure and register it under my name in Buffalo, New York? I do not have a valid drivers license by the way.
Kelley
Buffalo, NY
Normally insurance companies in Buffalo, New York require you to have a valid US driver’s license before you can get insurance on a car that is titled and registered under your name. Some insurance carriers will permit you to be excluded as a driver and have someone with a drivers license to be the primary driver on the car. The driving record of the primary driver will be used as the rating factor for the car insurance rate.
However car insurance carriers differ on their guidelines and rules so you might be able to find an insurance company that may allow you to insure the car under your name and have someone be the primary drivers. Some of the reason that this may be allowed, if for instance you are elderly and turned in your license or if you have medical conditions etc.
You can shop around for car insurance carriers in Buffalo, New York to see if you can find an insurance provider that will allow you to insure a car under your name and have somebody else the the primary driver. You may also contact the NYS Insurance Department and see if they can assist you find an insurance carrier that will write a policy for you.
Are You A New York Teen Driver Convicted of DUI?
Reader’s Question:
I am 19 years old and I was convicted of DUI in Lancaster, PA, but live but I have New York state license. What will happen to New York state license?
Terrence
Brentwood, NY
The NYS DMV states that if you are over 21 years old and convicted of an alcohol related driving violation, such as a DUI, in any other state (or in the provinces of Quebec and Ontario, Canada) your NY State driver’s license will be revoked for at least ninety days. If you are convicted in any of these jurisdictions of a drug related driving offense your New York State license will be revoked for at least six months.
If you are under 21 and convicted of any alcohol or drug related violations such as DUI that happened out of state your New York State driver license will be revoked for at least 1 year.
Do You Need Driver Responsibility Assessment in New York?
Reader’s Question:
I got a ticket in White Plains, New York for driving 24 mph over the speed limit. I have a drivers license in Connecticut. I paid the fine and am now being charged a hundred dollars a year for the next three years for a “Driver Responsibility Assessment”. This is totally unfair assessment I do realize that I will not be able to drive in the state of New York for at least the next 3 years and I’m fine with that but will there be any effect on me here in Connecticut if I just ignore this?
Mark
White Plains, NY
According to the State of New York it has deemed necessary for a driver to pay the driver responsibility assessment if after November 18, 2004 if you are convicted of an alcohol-related traffic offense, you are convicted of a drug-related traffic infraction, a DMV hearing decides that you refused a chemical test or you received 6 or more points on your driver record during a period of eighteen months. The different infractions are assessed with different fees to pay for 3 years.
If you receive a statement from the New York DMV that informs you to pay a driver responsibility assessment, you need to pay the assessment. If you decide to ignore this, the DMV will suspend your driver license, your driving privileges or learner’s permit. Your driver’s license being suspended will probably affect your driving privileges in CT as well. Both states are part of a Driver License Agreement that permits DMVs to exchange information. Probably your CT driver’s license will be suspended for not paying the assessment in New York but for the specifics of what will happen I suggest that you contact your local DMV.
I Have SR22 Auto Insurance – Can I Loose My Drivers License?
Q: I have SR22 insurance and I want to know–if I get into a car accident, can I lose my driver’s license?
A: It’s possible, but in a more indirect way than I think you’re thinking. Say, if you have SR22 insurance, and you get into a car accident, your risk factor goes up again. Since your car insurance company is already running significant risk by insuring you, because you have SR22 insurance, it might decide that the new risk is more than it can handle, and cancel your policy. Unless you can get a new insurance policy right away, then an SR26 will be sent to your DMV with no SR22 to cancel it out, and then your license will be canceled. But simply getting into an accident by itself will not result in the cancellation of your license.
The best way for you to avoid this problem is for you to keep a back up in place. Since more is at stake for policy holders of insurance, I suggest that, when looking for an SR22 insurance company, they pick out the best two instead of simply the best one, and keep the second filed away for future reference in case they have problems with the first. Sometimes, however, even that won’t work, and you’ll have to go with the New York assigned risk pool.
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