Auto Insurance Lapse – Need Temporary Auto Insurance in New York
Reader’s Question:
I have an unregistered car in community parking lot. Because of the insurance lapse in NY, my registration is suspended so I returned the car plates. But my community apartment parking management warned me of towing my car because it is not registered. Since I do not have a private home, where should I store my car? Is there a temporary parking registration? Where can I get this?
Mishi
Brooklyn, NY
As you are aware, registration and driver’s license will be suspended indefinitely if the car is without insurance and he owner fails to surrender the vehicle plates to the New York DMV.
On the otherhand, a lapse in your insurance coverage in New York State and failure to immediately surrender the vehicle plates will suspend the registration for the same number of days that the car is without an insurance but has held the vehicle plates. You should pay the termination fee of $25 when the suspension period ends to reinstate your driver’s license.
The site of New York State Department of Motor Vehicles provides a list of the civil penalties amounts for registration suspensions caused by insurance lapse. You can look for a private storage facility to solve you parking situation until you get your plates back and reinstate your registration since most of the pubic lot, like your apartment’s parking lot, will tow vehicles if the parking lot management finds out that the car is without a registration.
You can check with NYS DMV if there is any temporary parking registration or any other type of decal that you could place on your car while it is in current location so that the car will not be towed.
Property Damage – What is The Insurance Company Definition?
Reader’s Question:
I live in Queens, New York. What is the definition of “Property Damage” here in my state?
Karen
Queens, NY
According to the New York Insurance Law, Property damage Liability insurance is defined as insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the loss or destruction of, or damage to, the property of any other person, but not including any kind of insurance specified in paragraph thirteen, fifteen or twenty-eight of this subsection.
So if your vehicle is damaged in a car accident and it is the other drivers fault then, you may be able to place a car insurance claim against that other party’s car insurance policy for Property Damage Liability. According to the New York State Insurance Department you may also go to court against the other driver for property damage.
If you want to get more information on the specific definition of terms of a New York State Property Damage Liability coverages you may contact the New York State Insurance Department.
Tags: auto insurance
Penalties For Car Insurance Lapse in New York?
Reader’s Question:
Do you know what the penalties would be for car insurance lapse in Oyster Bay, New York.
Bill
Oyster Bay, NY
Anytime that your automobile is registered but not insured in the state of New York it can cause a car insurance lapse in your insurance coverage and registration suspension. The NYS Department of Motor Vehicles should inform you once they are aware of a car insurance lapse in your vehicle insurance by a through a certified letter in the mail. This letter will show you instructions on how you need to show proof that you have car insurance or sold the automobile. If you cannot provide proof , you will need to surrender your car license plates to the New York State DMV so make sure you get the receipt.
You may not be required to return your license plates for a insurance lapse of ninety days or shorter if you pay a civil penalty fine. I suggest that you contact the DMV to know exactly how much is the fine. If the insurance lapse in Oyster Bay, New York exceeds ninety days your driver license will be suspended. If you do not surrender your license plates to the Department of motor Vehicle they will suspend your driver license and registration indefinitely. Your need to pay a fee of $25 to reinstate your drivers license.
Automobile Insurance Company in New York
Reader’s Question:
I am planning to move to Manhattan, New York from CO and I am wondering if I also need to change my drivers license to NY and if its possible to keep my car insurance in CO.
Brad
Manhattan, NY
According to the New York State Department of Motor vehicle you must apply for a New York driver license not more than thirty days after you become a New York resident. You also have thirty days after you become a resident to register your car in the state of New York. When you apply for a NY title and registration you must have valid New York liability car insurance. According to the NYS DMV you cannot show proof of insurance from a different state under any circumstances.
Most insurance providers would not want to keep insuring you if you and your automobile are now garaged out of state. The garaging location of the automobile is essential to an insurance provider and once you move into a new state normally they will suggest you to obtain insurance now from that state in Manhattan, New York, especially since state financial responsibility or insurance laws vary from state to state.
Is Collision Car Insurance Coverage Required in New York
Reader’s Question:
Am I required to get collision and comprehensive coverages on my car if I have a lien on my vehicle in White Plains, New York?
Brenda
White Plains, NY
The state of New York state does not require you to carry physical damage coverages of collision and comprehensive on an automobile that has a lease or lien on it, but the lien holder will likely require you to get this physical damage coverages since the automobile is their asset which they have a lien upon. Many auto insurance carriers are filed with the state to require physical damage coverage if there is a lease or lien on a car.
If you have a vehicle with a lien on it in New York normally you would want to have comprehensive and collision coverages on the car since if the vehicle was totaled out or damaged in a hit and run or you were at fault in an accident or if the vehicle is stolen then the best way for you to make a car insurance claim would be if you had these physical damage coverages. If you are unable to repair or get paid the ACV for the car due to an accident then the lien holder would come to you for the monies since the vehicle which is their asset with the lien on it is not viable any more.
Is a Police Report Required For a Auto Insurance Claim in New York?
Reader’s Question:
I would like to know if after a car accident occurs a police report is required in Brentwood, New York?
Tom
Brentwood, NY
A police report is not necessarily required for every incident in New York City or New York State as a whole but it would be advisable to get an accident report done by the law enforcement officer if you were in an accident in Brentwood.
According to the New York State Department of Motor Vehicles if you are in an accident, you must stop your car and exchange information with the other motorists. If the incident caused property damage only, then exchange information about your car insurance, driver license, and registration with the other motorists. If a parked car or other property is damaged, you must locate the owner or contact the law enforcement officer.
If an individual is injured or killed, you are required by the Vehicle and Traffic Law to inform the police immediately. All the involved drivers and the law enforcement officer must file an accident report with the NYS DMV. It is a crime to leave the accident scene that causes personal injury or death.
An insurance carrier may require an accident report for some types of collisions such as a hit and run. It is best to obtain a police report for all incidents if for nothing else then to have a written report of the other person’s information in a report in case their auto insurance comes back as canceled, expired, or fake.In those types of cases you can then notify the police to the fact that the individual gave incorrect information in hopes they will be penalized by the state.
Do You Need Cheap Teen Auto Insurance in New York?
Reader’s Question:
Ok so I am only 17 years old and I really want to drive. I have enough money to purchase myself a vehicle. But they said that I cannot have a vehicle until I turn eighteen. I would like to know if it is possible for me to get my own car insurance under my name even if it costs me more money? I live in New York New York.
Jane
New York, NY
The New York State Department of Motor Vehicles states that you must be 16 years of age or older to apply for title certificate and registration in New York State. So if you are under eighteen and therefore still a teen or minor you can register and title a vehicle under your name in NYS.
As for car insurance, if you are a minor under the age of eighteen years old then insurance carriers normally will require that a parent or guardian sign on your car insurance policy with you since it is a legal and binding document.
So, you can own a vehicle in your own name as a minor in New York however you would normally need a parent to buy auto insurance to place on the automobile.
Always remember that if you live with your parents and they permit you to obtain a vehicle it is usually cheaper to add you and the automobile to their car insurance policy than obtaining your own. But if you really want the vehicle and auto insurance in your own name then you will need to shop around for a cheaper price on insurance and find out the requirements of the insurance company regarding you being a minor in New York New York.
Young Driver Auto Insurance in New York
Reader’s Question:
Who is considered “inexperienced” with regards to driving experience in New York? I am a young driver trying to lower the rate my parents pay for car insurance.
John
Hamburg, NY
If you have a vehicle in your household you should have been on an insurance policy, either a car or your parents or a vehicle you own in Hamburg, New York.
According to the New York Insurance Department one of the most relevant classifications in car insurance rating factor is age because of its obvious relation to losses. Consistently, teen or young drivers are disproportionately represented in car accidents in relation to their percentage of the total motorist population.
According to NYS DOI also that in New York State if licensed less than 3 years at the start of the car insurance policy period, the principal operator of a car, regardless of age, will receive an inexperienced operator surcharge. Therefore this surcharge is based on the actual time in which you have been licensed.
I am Moving Out Of State – Do I Keep My Auto Insurance in New York?
Reader’s Question:
I am planning to move to Colorado from Ramapo, New York. I still have a New York State license. I would like to know if I wait until I change my New York State license to CO before I purchase car insurance?
Russell
Ramapo, NY
According to the Colorado DMV if you have recently moved to CO, you must apply for a CO registration and title for your car within thirty days from establishing CO residency. You must provide proof of car insurance to your county clerk before registration can happen. You may use your copy of your car insurance policy, auto insurance card, or a letter from your insurance provider, as proof of your car insurance.
It is a personal decision if you want to wait to buy insurance until after you have changed your drivers license from a New York one to a CO issued driver’s license but if you want wait to change over your car insurance from New York to Colorado you should be sure that your NYS insurance provider will cover you properly until this is done.
Does My Car Have To Be Registered To Get Car Insurance in New York?
Reader’s Question:
In Albany, New York, do you have to register the car before insuring it or is it the other way around?
Jim
Albany, NY
In Albany, New York you need to insure your car before registering it. When registering a car one of the items you need to bring to the New York State Department of Motor Vehicles is a NYS Insurance Identification Card (FS-20).
The Insurance Identification Card can be a fax or a copy, but the barcode must be readable by a Department of Motor Vehicle barcode reader. After you purchase a car, bring the proof of ownership to an insurance broker or agent authorized to do business in NYS, and get this required insurance card.
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