NY DMV NY DMV Insurance Requirements 3

Question 1

If your New York vehicle registration is suspended due to an insurance lapse, what is required to reinstate it?

Accepted Answer

Provide proof of current insurance and pay any applicable civil penalty

Answer

Complete a defensive driving course only

Answer

File an SR-22 certificate only

Answer

Pay a flat $25 reinstatement fee only

Question 2

What is the maximum civil penalty for a single period of insurance lapse in New York?

Accepted Answer

$900

Answer

$300

Answer

$500

Answer

$1,500

Question 3

For how long must a high-risk driver typically maintain an SR-22 filing in New York?

Accepted Answer

3 years

Answer

1 year

Answer

2 years

Answer

5 years

Question 4

What minimum liability coverage does New York require for death resulting from an auto accident per person?

Accepted Answer

$50,000

Answer

$25,000

Answer

$75,000

Answer

$100,000

Question 5

A NY driver who allows their vehicle insurance to lapse faces which combination of penalties?

Accepted Answer

Civil penalties and potential registration suspension

Answer

A warning letter and points added to their license

Answer

Mandatory jail time and vehicle impoundment

Answer

Only a required defensive driving course

Question 6

Under New York's no-fault law, which injuries typically qualify for PIP (no-fault) benefits?

Accepted Answer

Injuries sustained in a motor vehicle accident regardless of who was at fault

Answer

Only injuries that require hospitalization of more than 24 hours

Answer

Only injuries to passengers, not the driver

Answer

Only injuries resulting in a permanent disability

Question 7

Which of the following is generally exempt from New York's mandatory auto insurance requirement?

Accepted Answer

A vehicle used only on private property and not registered with the DMV

Answer

A leased vehicle driven on public roads

Answer

A commercial van used for deliveries

Answer

A motorcycle registered in another state