How to get new york state insurance identification card

1. § 32.1 - Background
2. § 32.2 - Introduction
3. § 32.3 - Definitions
4. § 32.4 - Issuance of ID cards
5. § 32.5 - Use of ID cards for DMV registration and insurance transactions
6. § 32.6 - Verification of insurance coverage (validity of id cards)
7. § 32.7 - Administrative action
8. § 32.8 - Notice of termination
9. § 32.9 - Types of ID cards and specifications
10. § 32.10 - Encrypted two-dimensional (2D) bar code security feature
11. § 32.11 - Prescribed forms for id cards
12. § 32.12 - Insurance information accompanying id cards
13. § 32.13 - Miscellaneous
14. § 32.14 - Use by registrant or operator
15. § 32.15 - Special id card rules applicable to policies assigned by the new york automobile insurance plan (nyaip)
16. § 32.16 - Electronic insurance ID cards
17. § 32.17 - Insurance card samples

Notes

Statutory authority: Vehicle and Traffic Law, §§ 215[a], 311[10], 312 [4][5], 319[3], 370[1]

State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.

No prior version found.

A motor vehicle registered in the State of New York must have liability insurance. Insurance coverage must be a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident. New York State is a no-fault state. The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used (except motorcycles).

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• The liability coverage must be New York State insurance coverage, issued by a company authorized to do business in New York State and licensed by the New York State Department of Financial Services. Out-of-state insurance coverage of any type is NEVER acceptable or valid. If your vehicle is registered in New York State, the liability insurance coverage must be New York State insurance coverage.
• Liability coverage must be issued in the name of the registrant and must remain in the name of the registrant at all times. A change on the insurance to a name different from the registrant causes a lapse in insurance coverage, and the driver license of the registrant and the registration is suspended.
• You must show a New York State Insurance Identification Card when you apply for a vehicle registration. Your insurance company, agent or broker must issue two original New York State Insurance Identification Cards to you. The Insurance Identification Cards must have the same name as the registration application and must have a bar code.
• The insurance company must also file an electronic notice of insurance coverage with the DMV to verify the liability coverage. (The agent or broker cannot file this notice.) Your Insurance Identification Card and the electronic notice of insurance coverage together verify your insurance coverage. An Insurance Identification Card only does not prove liability coverage.
• An Insurance Identification Card must be presented within 45 days of the effective date of the insurance coverage. Bring the cards to the DMV office when you apply for the registration. The DMV office will keep one card. Keep the other card with the vehicle. If a police officer requests your proof of insurance, you must show your Insurance Identification Card.
• The DMV does not accept any out-of-state insurance documents.

I moved to another state, but my vehicle is registered in New York State. Do I need to change to out-of-state insurance?

No. All vehicles registered in New York State must have New York State liability coverage. There are no exceptions. If you replace your New York State insurance coverage with out-of-state insurance, a lapse in valid insurance coverage occurs. The New York State DMV suspends your registration, and the New York State DMV can suspend your driver license. The New York State DMV must take actions against your New York State registration and driver license even if you move outside of New York State. This action can affect your ability to hold a valid driver license in your new state. If you register your vehicle in another state, immediately surrender your New York State vehicle plates to the New York State DMV by mail.

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What can occur if I cancel my liability insurance?

The insurance company must notify the DMV if you cancel your liability insurance. Your insurance company is also required to notify DMV if your insurance coverage is reinstated or you get new insurance coverage. If the insurance company does not file an electronic notice about your new or reinstated liability insurance, the DMV sends you a letter about your insurance. Read the insert mailed with the letter, and follow the instructions in the letter. You are given 10 days from the date of the DMV letter to prove that you have insurance coverage, prove that you sold the vehicle, or show other proof that insurance coverage was not required in New York State. If you do have insurance coverage, also ask your insurance company to file an electronic notice of insurance coverage with the DMV.

If you do not have liability insurance, you must surrender your vehicle plates to the New York State DMV immediately. Make sure you get a receipt. You must respond to the letter you receive from the DMV or surrender your license plates to prevent the suspension of your registration and driver license. If your liability insurance is about to lapse and you do not plan to replace it with other insurance, surrender your vehicle plates to the DMV before your insurance coverage lapses.

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What are some of the conditions that can create a lapse in insurance coverage?

Any amount of time that your vehicle is registered but not insured can cause a lapse in your insurance coverage and the suspension or revocation of your registration. A lapse in insurance coverage can occur:

• between the date your insurance is cancelled and the effective date of your new insurance;
• between the date your insurance is cancelled and the date you surrender your license plates or the date your registration expires;
• between the date your insurance is cancelled and the effective date of “other proof” (for example, a vehicle registered in another state, or a vehicle repossessed or impounded);
• between the date you register your vehicle and the effective date of your new insurance coverage;
• between the date the insurance is cancelled and the date the same insurance company reinstates your insurance coverage.
• If the lapse in the insurance coverage exceeds 90 days, your driver license is also suspended.

What can I do if the vehicle is repossessed, stolen, impounded or sold?

The DMV Customer Service Knowledge Base has answers about a lapse in liability insurance on a vehicle that is repossessed, stolen, impounded or sold.

What action does the DMV take if I do not have insurance and I do not surrender my vehicle plates immediately?

If you do not have insurance coverage and you do not surrender your vehicle plates to the DMV, your registration and driver license are suspended indefinitely.

If you had a lapse in your insurance coverage and did not surrender your vehicle plates immediately, your registration is suspended for the same number of days that you did not have insurance coverage, but did hold the vehicle plates. If the time is more than 90 days, your driver license is also suspended for the same number of days as the registration. To reinstate your driver license, you must pay a termination fee of $25 when the suspension ends.

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How do I prevent a suspension if my liability insurance lapses?

You can prevent the suspension of your registration and driver license if you surrender your vehicle plates to the DMV before your liability insurance lapses.

You are not required to surrender your plates for a suspension of fewer than 90 days if you pay a civil penalty. You cannot use the civil penalty option if the lapse is longer than 90 days or you used this option in the past 3 years.

The civil viagra coupon click on this link canada pharmacy online http://cialisgeneric20mgbest.com/ cialis viagra generic penalty amounts are:

• $8 per day for each day of the lapse from day 1 – day 30, and
• $10 per day for each day of the lapse from day 31 – day 60, and
• $12 per day for each day of the lapse from day 61 – day 90

For example, if you had a lapse of insurance for 85 days, your civil penalty is calculated as follows:

• $8 x 30 days ($240) for days 1 – 30 of the lapse, plus
• $10 x 30 days ($300) for days 31 – 60 of the lapse, plus
• $12 x 25 days ($300) for days 61 – 85 of the lapse for a total civil penalty of $840.

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How do I get a New York state ID card?

Does NY accept electronic proof of insurance?

Do you need proof of insurance in NY?

How do I register my car with insurance in NY?