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

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?

Accepted Answer

Your insurance ID card

Answer

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?

Accepted Answer

A certificate of financial responsibility filed by your insurer

Answer

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?

Accepted Answer

Comprehensive coverage

Answer

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?

Accepted Answer

Up to $1,500

Answer

Driving without insurance in New York can result in a civil penalty of up to $1,500, plus license and registration suspension.

NY DMV - New York Department of Motor Vehicle Practice Test