Whats the penalty for not having insurance?

Question

iam from new york i was in a accident not to long ago i drive my fathers car and when the cop asked me for the insurance card he said it was expired and gave me a ticket and when the hearing came in the mail my mom threw the hearing out so now i got in the mail to go to the dmv in person and straighten this out or my license will be suspended..like i said its my dads car but the ticket in my name so i was wondering if my dad didnt have insurance on the car what happens ?

Answer 1

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://carinsurance.expertsupport.info/a...

Answer 2

its not his responsibility ,its yours you was the driver ,so its on you atleast here in Missouri.here its a 200 dollar fine and 2 months license suspension.then u must file an Sr-22 insurance to get them back and maintain insurance for a long *** time

Answer 3

You and your dad will both be in trouble if he doesn't have insurance. You for driving without it and your dad for letting you drive the car without insurance.

Answer 4

You will explain what happened and pay whatever fines are due for not having insurance.  You should absolutely have insurance when you go into the DMV.  Here are the insurance requirements for your state.  You can go to one of the agents in your area and buy even one month insurance (at least you can in my state) or go online go someplace that lets you print out your insurance cards when you pay online.

http://www.nydmv.state.ny.us/dmvfaqs.htm...

Insurance

Note:  Remove frames and fasteners before you surrender a vehicle plate or vehicle plates.  The DMV office will not accept a vehicle plate with a frame or any fasteners attached.

What are the requirements for motor vehicle liability insurance in NYS?

A motor vehicle registered in NYS 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).

The liability coverage must be NYS insurance coverage, issued by a company authorized to do business in NYS and licensed by the NYS Insurance Department. Out-of-state insurance coverage of any type is NEVER acceptable or valid. If your vehicle is registered in NYS, the liability insurance coverage must be NYS 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 NYS Insurance Identification Card when you apply for a vehicle registration. Your insurance company, agent or broker must issue two original NYS Insurance Identification Cards to you.  The Insurance Identification Cards must have the same name as the registration application and must have a barcode.

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.

The civil penalty amount is:

$8 per day for each day of the lapse from day 1 through day 30, and

$10 per day for each day of the lapse from day 31 through day 60, and

$12 per day for each day of the lapse from day 61 through day 90.

This lapse means the time from the day the other insurance ran out until the day the new policy was issued.  And, it gets worse after 90 days.

Get that insurance today.

Answer 5

well your liable for all damage that was caused to the other vehicle.. you could get fined for driving without insurance aswell.

Good Luck!

Answer 6

i think it's a law now that you have to have insurance.......