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

To reinstate a suspended registration, you must provide proof of current insurance and pay any outstanding civil penalties to the DMV.

Question 2

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

Accepted Answer

$900

Answer

The maximum civil penalty for a single period of lapsed insurance coverage in New York is $900.

Question 3

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

Accepted Answer

3 years

Answer

High-risk drivers required to file an SR-22 in New York must typically maintain it for 3 years without interruption.

Question 4

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

Accepted Answer

$50,000

Answer

New York requires a minimum of $50,000 per person (and $100,000 per accident) in death liability coverage.

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

An insurance lapse in New York results in civil financial penalties and potential registration suspension, not criminal penalties.

NY DMV - New York Department of Motor Vehicle Practice Test