DMV New York Car Insurance
Reader’s Question:
My dad had a lapse in his insurance while he was out of the country and he was told by the NYS DMV that he had to surrender the plates for the entire time of the lapse, which was about 5 months. He decided to sell the vehicle to me so I can obtain the vehicle registered under my name so we can start using the vehicle again. I have all the necessary paperwork and got new insurance but at the DMV said that due to the lapse, I am still unable to register the vehicle until the end of the 5 months. Is this true?
Zachary
New York, NY
Yes, it is true that the NYS DMV has the authority to deny issuing you registration on the car thus you cannot register and use the car since the current registration has been suspended as a penalty for having a lapse in car insurance coverage.
The NYS DMV will not issue a registration to any individual unless that individual makes a sworn statement on form FS-2. This statement certifies that the reason for the application in not to avoid the results from the current revocation or suspension. The local DMV Office will decide if the application will be accepted or rejected.
DMV Car Insurance Quote
Reader’s Question:
I acquired a certified copy of my driving record which shows that I have no infractions in the last three years but I was in an accident about a year ago in a different state. When I go for auto insurance will they be able to know this or is all they check is my DMV record?
Ross
Appleton, WI
Most states are part of the Drivers License Compact or Agreement which permit them to transfer violation or infraction information between Motor Vehicle Agencies. It could be that your home state or state in which you had the accident is not part of this agreement and therefore the information did not transfer. Or it could be that the system is backed up and that the information will eventually come through and be listed to your DMV record.
Your auto insurance carrier might not show the accident if it is not showing up on your DMV record however if you put in a claim or had a claim filed against your insurance policy it is likely that shows up in their records. If the insurance carrier asks about your record it is always better to be truthful and upfront so that you can obtain an accurate quote.
Car Insurance Question
Reader’s Question:
I have a question. I am leaving the USA in two months, and my auto insurance ends in this month. Can I insure my vehicle only for two months?
Jared
Jackson, MS
Typically, auto insurance policies are only written for 6 months or 1 year. So instead of searching for a 2 month policy, you instead will likely need to renew for six months and then cancel your insurance policy once you no longer need it.
In most states, if you own a motor vehicle here in the US and want to continue to have it registered then you will be required to continue car insurance on the vehicle. If you will be putting the vehicle in storage or putting it somewhere else where it will not be required to have registration on it then you can take off the car insurance and turn in your license plates.
Since state laws vary, if you are leaving a vehicle behind when you leave the US check with the Department of Motor Vehicles of the state where the car is registered to see what they require of you as the car owner with regards to car insurance.
Car Insurance DMV Wisconsin
Reader’s Question:
How does the Department of Motor Vehicle (DMV) points affect your driving privileges and your car insurance rates? I live in Milwaukee, Wisconsin.
Harry
Milwaukee, WI
DMV points are assigned in most states for traffic violations. The state laws determine the point values. In the states that put points on your driving record and/or against your driving license, it can definitely affect your driving privilege and car insurance rate. Typically, if you accumulate too many points your license will be suspended or revoked.
If you accumulate 12 or more demerit points in a 12 month period in Wisconsin this will result suspension of your driving privilege. To verify what you states laws are contact your Department of Motor Vehicle (DMV).
As for insurance rates, how they are determined varies from insurance carriers to insurance carriers. Some insurance providers might consider the amount of points or the severity of your infractions as part of the variables they use to decide car insurance rates. You can verify with your state’s insurance regulatory body to check how your insurance providers does their rating system since they much be filed with this entity.
Car Insurance DMV California
Reader’s Question:
How will I be able to find out if a person has car insurance if I have their VIN number and license number? Can I get Information from the DMV?
Bill
Fresno, CA
State laws varies regarding private and public information however if you need to know if an individual has car insurance you first should contact your local DMV to check if you as a private citizen can obtain this information. The Department of Motor Vehicle (DMV) should then be able to inform you if you can get this information from them or another state agency.
If you have been hit by a car and you have managed to obtain their VIN number and license plate number, perhaps this information was correct while their name and number was not, then you would also want to contact the law enforcement officer to make a report. It is no individuals legal right to no if another person is insured unless there is cause for the information.
In California you can make a request the insurance information by contacting the Department of Motor Vehicle (DMV) Financial Responsibility Unit and submitting a form.
New York DMV Car Insurance
Reader’s Question:
Are car insurance points reduced over time like DMV points are?
Daniel
Babylon, NY
Insurance points, and other factors that are used by insurance providers to decide on your insurance rates, differ by each different insurance provider. They each have their own rules and guidelines regarding how insurance points play into the whole equation.
In most cases the impact of older insurance points lessens over time. If your company adds car insurance points for different traffic infraction and accident claims, as time goes by and you receive no new violations and file no more claims it will appear that you are a safer driver and these car insurance points could be reduced.
States have insurance law and regulations that govern premium surcharges caused by accidents or convictions. For example in New York their law permit surcharges for a certain amount of time only, typically three years. New York state also has a point and insurance reduction program that driver’s can take part in to lower their insurance premiums by 10%.
Auto Insurance DMV
Reader’s Question:
Im just curious if the DMV verify insurance coverage for a simple violation like speeding ticket, assuming an apparently valid insurance card was provided to the police officer?
Allan
Chicago, IL
The States’ Department of Motor Vehicles (DMV) differ in how they will verify auto insurance after a traffic or moving violation. It is essential to be properly insured though so that you are not caught without any car insurance. If you showed the police officer an apparently valid auto insurance card, ultimately the DMV could still find out that you are not insured.
An insurance provider in most state has to informed the DMV if a individual’s car insurance policy is canceled, lapsed , terminated or is not valid. When this happens many states require you to turn in your license plates. In addition, if the insurance is not renewed or started up again your driver’s license will be revoked or suspended.
DMV Car Insurance SR22
Reader’s Question:
I got DUI conviction by the DMV but the court dismissed the charges of a DUI. How am I going to clean my record? How much is it going to be to get an SR22? I’m in Anaheim, California.
Anne
Anaheim, CA
To be able to remove a moving or traffic violation from your driving record, you will need to contact CA Department of Motor Vehicles (DMV). The California Department of Motor Vehicle (DMV) should be able to advise you if you are required to carry an SR22. The CA DMV will be able to inform you as well on how to go about cleaning your driving record. If you will still require an SR22 in California, you should be able to buy an SR22 from an insurance company licensed to do business in California. You may ask any car insurance representative on the cost of getting an SR22 car insurance policy.
car insurance DMV
Reader’s Question:
Does the DMV informs my insurance company if I get charged for driving without license or suspended license?
Rochelle
Thank you for asking Rochelle.
State laws and notification systems applies differently in various states so in some states an insurance carrier may be notified by the Dpartment of Motor Vehicle if an individual has been convicted of driving without or suspended license.
Generally, most states DMV do not inform the insurance providers of an individual that was charged with these types of violations. An insurance carrier would normally find out this information when they pulled their policyholder’s driving record (MVR). An MVR is usually pulled by an insurance company at the inception of an insurance policy and then again at renewal time.
If an individual is found guilty of this type of charge then the insurance provider may cancel or terminate the person’s coverages if state laws permit since the individual does not have a valid license to operate their vehicle with.
Goodluck!
MariCAR
DMV insurance
Reader’s Question:
I received a DUI and increased my insurance. I want to know what other offenses are considered a major offense in DMV?
Ben
Thank you for asking Ben.
Insurance providers differ on what they consider to be a major traffic violation on your driving record. Generally there are several infractions that states’ DMV and insurance companies consider to be major when you are convicted of them.
Some of the offenses that may be considered as major offenses are the following
* Operating the vehicle under the influence of alcohol or narcotics (DUI or DWI)
* Reckless driving or negligent driving
* Driving with a suspended, revoked or invalid license
* Drag racing
* Use of a vehicle to commit a felony
* Hit and run, leaving the scene of an accident
* Refusing to stop or fleeing from a law enforcement officer
* Vehicular homicide or manslaughter
You may contact your insurance company or you state’s Department of Motor Vehicle to get more information what falls on the category for major offenses.
Goodluck!
MariCAR