Operating Without Insurance

NYC Driving Without Insurance Defense Lawyer

How Much Is the Fine for Driving Without Insurance in New York?

When a law enforcement pulls over a driver after observing a moving violation illegal maneuver, or speeding the will ask to see the driver's license, insurance, and registration. If the driver is unable to supply any of these items, their situation could become much more severe than it would have been.

In fact, on top of having to pay whatever fine resulted from the traffic offense, the driver could also be facing up to $1,500 in fines for not having adequate car insurance. If you were accused of driving without valid car insurance, your first step should be to get in touch with a traffic ticket attorney from our legal team at Gannes & Musico, LLP.

Ticketed for operating without insurance? Turn to Gannes & Musico, LLP to fight your ticket today. 

New York State Liability Insurance Requirements

Any motor vehicle registered in New York must have liability insurance; the NY required minimum limits are $25,000/50,000 for injury and $50,000/100,000 for death, and $10,000 for property damage caused in an accident. The state of New York is considered a "no-fault" state; therefore, all New York drivers must maintain their liability coverage while their registration is valid, even if they are not using their motor vehicle (except motorcycles).

  • Liability coverage must be New York State insurance coverage, and it must be issued by a company that is authorized to do business in New York, and the company must by licensed by the NYS Department of Financial Services.
  • In NY, out-of-state insurance coverage is not accepted or valid. Once your vehicle is registered in NYS, your liability insurance must be NYS insurance coverage.
  • When you register your vehicle in New York, you must show a NYS Insurance I.D. card.
  • The DMV does not accept any type of out-of-state insurance papers.

If you cancel your liability insurance, the insurance company is required to notify the DMV. Your insurance company is also required to notify the DMV if your insurance is reinstated or if you get new insurance. If your vehicle does not have liability insurance, you are required to surrender your vehicle plates to the NYSDMV immediately. If your insurance lapses, then your vehicle's registration will be suspended. Furthermore, if the lapse of insurance coverage is longer than 90 days, then your driver's license will be suspended as well.

Should I Pay an Operating without Insurance Fine?

What many people do not realize is that by paying an operating without insurance fine, they are pleading guilty to the offense. Many feel as though it is simply easier to pay the fine and avoid the hassle of attempting to defend yourself, but as you could be facing a fine of over a thousand dollars, it is worth it to try to clear your name. We offer a free case evaluation so that you can tell us the details of your case quickly and easily.

Those who have found themselves in this serious situation need to seek help from a legal professional if they are to have any hope of avoiding these harsh penalties. Our team has years of experience in this area of law and understands how to best help people who are facing these types of accusations. Whether you were accused of operating without insurance or another traffic violation, please do not hesitate to get in touch with a NYC traffic lawyer from our team.

Accused of operating without insurance? Contact a New York traffic ticket lawyer today to see how we could help you!

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