Don’t have insurance? Can you legally drive a car in New York State?
Driving a car and you don’t have insurance? Is it legal?
It actually depends. It’s your car ? Does this car have insurance? Is it a rental? Are they your friends? These seem to be the means around YOU of not having auto insurance. You can legally drive any of the cars in the above situation, as long as you have a legal / valid driver’s license for that category of vehicle.
But what about the other times? Suppose you are a day or two late with your payment?
Insurance companies communicate electronically with the Department of Motor Vehicles. What does it mean? Big Brother aka the DMV and New York State is still watching you.
If you get pulled over in your car and you don’t have insurance, what can happen?
- You can get arrested and get a lapsed ticket.
- Your car may be impounded. Then you will need to pay extra fee to get it back.
- The DMV will say thank you for playing, but let’s go, by withdrawing your driver’s license and your registration card.
What if your friend or someone else borrowed your uninsured car?
- If your car is in an accident and you knowingly let someone drive your car when you didn’t have insurance, then YOU still get the penalties. Yes, you will have to pay fines and penalties, and the DMV can revoke your license for at least a year. Plus, there are additional fees you can potentially pay when spending your day in traffic court.
Here’s something to remember, if you don’t have auto insurance, say it’s expired or you just can’t afford it? Park your car and turn over the plates, avoid the headache of additional future expenses.
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