New York Insurance Lapse Attorney
Handling Insurance Lapse Suspensions for 30+ Years
The NY DMV takes insurance lapses seriously because driving without liability insurance can be costly for both you and other drivers should you get into a car accident. It also gives your insurance company and the DMV an impression that you’re risky on the road and pose a threat to public safety.
What is Considered a Lapse in Auto Insurance?
Driving a registered vehicle without liability insurance, also called an insurance lapse, is illegal in New York. An insurance lapse can occur between the date your insurance is canceled and the date:
- your new insurance begins
- you surrender your vehicle plates
- your registration expires
- other proof of insurance is valid
- your insurance company reinstates your insurance coverage
An insurance lapse can also occur during the time between your vehicle registration and the beginning of your insurance coverage. If you can’t prove that you can take financial responsibility for the damages that you may cause from negligent or reckless driving, then you can’t get behind the wheel. If you do drive on an insurance lapse in New York, you could face serious penalties.
If you’re facing accusations for driving with an insurance lapse, or without liability coverage, you need to protect your driving privileges at all costs and contact (212) 235-1525 to retain legal representation.
What Happens If You Don’t Return Your License Plates in NY?
New York drivers must surrender their license plates before ending their vehicle’s liability insurance coverage or to register their vehicle in another state. This is because the DMV must destroy the plates to avoid duplications.
Thus, if you fail to surrender your plate before your liability insurance coverage ends, the NYS DMV will suspend your registration and may even suspend your driver’s license. If you need to surrender plates from another state, be sure to do so with that particular state’s DMV, not the NYS DMV. Failing to surrender license plates before registering a vehicle in a different state may carry administrative penalties as well.
How does this apply to motorcyclists? If you have a motorcycle, you do not need to surrender your motorcycle plates, although, you must be insured to ride it. You don’t have to surrender your motorcycle plates if there’s a lapse in your liability insurance coverage, either.
If you have a trailer, you must only return the plates if the trailer doesn’t have a valid registration. Trailers typically do not need liability insurance and the DMV won’t suspend your driver’s license or registration if you don’t return your plate.
How to Surrender Your New York State License Plate
So, how do you surrender your New York State license plate? If you handle it through the mail, follow the steps below:
Remove plates and stickers, including plate frames and fasteners.
Fill out the Plate Surrender Application (PD-7) for each set of plates you’re returning.
Mail the application with your plates in an envelope to the address below:
NYS DMV
6 Empire State Plaza
Room B240
Albany, NY 12228
If you want to return your plates at the DMV, complete the first two steps described above but instead of mailing the plates and PD-7, bring those items to a DMV office near you. You will pay a $1 processing fee and receive an FS-6T receipt afterward, so be sure to keep the receipt for your records.
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"One week later my ticket was dismissed."Great decision+great attorney=great resultScott
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"I walked out with my best possible outcome."
After receiving a ticket for driving in a construction zone, I reached out to Marty who was highly recommended to me. Marty was terrific and clearly laid out all the possible scenarios. Sometimes court can be overwhelming (points, no points, fine, reduced fine, guilty vs not guilty) yet Marty made everything simple and focused on what outcome was most important for me. Due to Marty, I walked in confident and walked out with my best possible outcome
I hope to not be in court again for any type of traffic violation but Marty will be my first call if I need assistance and anyone else reading this should do the same.
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"Good communication the entire time."I am an idiot and got a ticket for doing 90 in a 40 in Manhattan. Martin and his people were very helpful throughout the process, keeping good communication with me the entire time. Just got word that the ticket was dismissed. THANKS MARTIN!Satisfied Client
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"Mr. Martin A. Kron & Associates is very professional, direct, and responsive."Mr. Kron and his firm delivered results way beyond my expectations. Job well done and worth the money!!Elie
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"Most impressed by their availability to respond to me."I'm glad I choose this lawyer. His professionalism and his ability to follow things up impressed me. There was always someone in the office to respond to my phone calls. Finally, they had my file up to date. I won my case, but beyond everything, I was most impressed by their availability to respond to me. Thanks!Vitalis
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"Honest with regards to the whole matter and never gave me a false sense of security"I would like to personally thank Mr. Martin Kron for his help in getting a no left turn moving violation dismissed. I had a clean driving record with no moving violation and after speaking with Mr. Kron he made no guarantees and was honest with regards to the whole matter and never gave me a false sense of security as to what the final turn out would be. He said he would only do his best and I gave him my case. I was extremely worried because it was an injustice based on the circumstances and Mr. Kron was able to get the moving violation to dismiss and I thank him very much. I recommend Mr. Kron for traffic violations without hesitation, and again I say "Thank You" Mr. Kron.Irving
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"No fine and no points on my license!"Martin is an excellent lawyer. I had a hearing for a cell phone ticket that I forgot about. I called him 1 day before and Martin attended the hearing the following day in my absence and got me a No Guilty Fee! Resulting in no fine and more importantly - no points on my license!John
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"Got me a great outcome!!"Just found out that my careless driving and my 10 over speed were both dismissed! I was freaked out since I drive commercially and can't have points on my license! I am so happy that the lawyers at MAK were able to take my case and get me a great outcome!!!!! In the past I hired another traffic attorney and all he did was take my money and I still got found guilty. Martin cost a little more but he was well worth it cuz we won!Guillermo
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