By January 14, 2014 Read More →

New York Car Insurance Has Lapsed – What Happens Next?

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 been able to supply the DMV all the needed documents and my new insurance policy but they say that due to the lapse, I am still not able to register my vehicle until the end of the 5 months. Is this true?


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.

You will need to make a sworn statement on the form FS-2, before the DMV will issue vehicle registration from what I understand. This FS-2 sworn statement certifies proves that the registration application in not to avoid penalties from the current drivers license revocation and/or suspension. The local DMV Office will decide if the application will be accepted or rejected.

Posted in: Car Insurance Lapse

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