NY DMV NY DMV Insurance Requirements 2

Question 1

Uninsured/underinsured motorist coverage in New York is:

Accepted Answer

Required on all registered vehicles

Answer

Optional for all registered drivers

Answer

Required only for commercial vehicles

Answer

Required only for drivers under age 25

Question 2

What document serves as accepted proof of auto insurance in New York?

Accepted Answer

Your insurance ID card

Answer

A copy of your full insurance policy

Answer

Your insurance agent's license number

Answer

Your most recent premium payment receipt

Question 3

What is an SR-22 certificate in New York?

Accepted Answer

A certificate of financial responsibility filed by your insurer

Answer

A DMV driving record summary

Answer

A vehicle safety inspection report

Answer

A no-fault insurance claim form

Question 4

Which type of coverage is NOT required by New York State law?

Accepted Answer

Comprehensive coverage

Answer

Liability coverage

Answer

No-fault (PIP) coverage

Answer

Uninsured motorist coverage

Question 5

What is the maximum civil penalty a New York driver can face for driving without insurance?

Accepted Answer

Up to $1,500

Answer

Up to $100

Answer

Up to $300

Answer

Up to $5,000

Question 6

If you surrender your license plates to avoid an insurance lapse penalty in New York, what must you also surrender?

Accepted Answer

Your vehicle registration

Answer

Your driver's license

Answer

An SR-22 filing

Answer

Your title certificate

Question 7

How does the NY DMV track insurance status on registered vehicles?

Accepted Answer

Through the electronic Insurance Information and Enforcement System (IIES)

Answer

By requiring annual paper insurance filings

Answer

By checking coverage only at annual safety inspections

Answer

Through police traffic stop reports only