NY DMV NY DMV Insurance Requirements 2 — Questions and Answers
Question 1: Uninsured/underinsured motorist coverage in New York is:
- Optional for all registered drivers
- Required on all registered vehicles (Correct answer)
- Required only for commercial vehicles
- Required only for drivers under age 25
Correct answer: Required on all registered vehicles
New York requires uninsured/underinsured motorist coverage on all registered vehicles to protect drivers hit by uninsured motorists.
Question 2: What document serves as accepted proof of auto insurance in New York?
- A copy of your full insurance policy
- Your insurance ID card (Correct answer)
- Your insurance agent's license number
- Your most recent premium payment receipt
Correct answer: Your insurance ID card
The insurance ID card issued by your insurer is the accepted proof of coverage required in New York.
Question 3: What is an SR-22 certificate in New York?
- A DMV driving record summary
- A vehicle safety inspection report
- A certificate of financial responsibility filed by your insurer (Correct answer)
- A no-fault insurance claim form
Correct answer: A certificate of financial responsibility filed by your insurer
An SR-22 is a certificate filed by your insurer with the DMV proving you carry at least the minimum required auto insurance.
Question 4: Which type of coverage is NOT required by New York State law?
- Liability coverage
- No-fault (PIP) coverage
- Comprehensive coverage (Correct answer)
- Uninsured motorist coverage
Correct answer: Comprehensive coverage
Comprehensive coverage, which covers non-collision damage such as theft or weather, is optional in New York.
Question 5: What is the maximum civil penalty a New York driver can face for driving without insurance?
- Up to $100
- Up to $300
- Up to $1,500 (Correct answer)
- Up to $5,000
Correct answer: Up to $1,500
Driving without insurance in New York can result in a civil penalty of up to $1,500, plus license and registration suspension.
Question 6: If you surrender your license plates to avoid an insurance lapse penalty in New York, what must you also surrender?
- Your driver's license
- Your vehicle registration (Correct answer)
- An SR-22 filing
- Your title certificate
Correct answer: Your vehicle registration
When surrendering plates in New York, you must also surrender your vehicle registration to avoid civil penalties for uninsured periods.
Question 7: How does the NY DMV track insurance status on registered vehicles?
- By requiring annual paper insurance filings
- Through the electronic Insurance Information and Enforcement System (IIES) (Correct answer)
- By checking coverage only at annual safety inspections
- Through police traffic stop reports only
Correct answer: Through the electronic Insurance Information and Enforcement System (IIES)
New York uses the electronic Insurance Information and Enforcement System (IIES) to automatically monitor insurance coverage on all registered vehicles.
NY DMV NY DMV Insurance Requirements 2
Uninsured/underinsured motorist coverage in New York is: