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You are required to carry a set minimum amount of automobile insurance coverage within the state of New York. If you do not comply with the requirements to purchase at least the required minimum amount of insurance coverage, you could face very serious legal consequences. Substantial fines could result from being uninsured, and you could lose your license to drive a car.
If you are accused of driving without insurance, or accused of allowing someone else to drive without insurance, you need to be proactive in responding to these serious accusations. You may be able to fight to avoid penalties or may be able to negotiate a deal in which you face lesser penalties for being uninsured. You should talk with an experienced NY traffic crimes lawyer to find out what your best option is for responding to an accusation that you drove with no valid insurance.
New York lawyers at NY Traffic Firm have helped many motorists who are facing serious legal consequences for operating uninsured vehicles. Our legal team can review the facts of your situation and can assist you in deciding on the best approach to take to respond to accusations.
Whether we fight to help you avoid penalties or work to negotiate a deal to reduce consequences, our goal is always to protect your right to drive and to help you get the best outcome possible for your situation. Give us a call today to find out more.
The New York State Department of Financial Services explains the required minimum amount of automobile insurance that motorists must have for vehicles that they own. Drivers are expected to have coverage for at least $25,000 in bodily injury per person and at least $50,000 in bodily injury coverage per accident.
This means if you get into a collision with three people, your insurer would pay up to $25,000 to each individual person, but would pay a total of $50,000 for the entire accident. Motorists also must carry at least $10,000 in property damage liability coverage. Many motorists opt to buy more than the minimum coverage in order to protect their assets, but this is not legally required.
If you do not have at least the minimum, though, then you could be in serious legal trouble. If you are going to allow your insurance to lapse on any vehicle, even a car that you are not driving, you are expected to tun in your vehicle’s license plates and to turn in the vehicle registration to the Department of Motor Vehicles. Simply taking the car off the road isn’t enough to absolve you of you responsibility to maintain continuous coverage for your auto insurance. You have to turn in the plates if you let your policy lapse, or consequences could be imposed for having an uninsured vehicle.
According to the New York Department of Motor Vehicles, failing to have required minimum automobile insurance could result in a costly fine, among other consequences. A motorist who is convicted of operating an uninsured motor vehicle could have his or her license revoked for at least a one year period of time. For operating the uninsured vehicle, the motorist could also be charged a civil penalty of $750. Motorists can also face the loss of their license and the assessment of this penalty if they allow someone else to drive their car without insurance.
Your lack of insurance could be discovered as a result of any interaction with law enforcement when you are operating your motor vehicle. You are required to have proof of insurance with you and you could be cited for not having this proof of insurance if you are pulled over and a law enforcement officer asks you to see it. Even outside of infractions calling attention to your uninsured status, New York State can also discover you aren’t properly insured in other ways, including reports of policy cancellations from insurers. If there is a reason to suspect your vehicle is uninsured, you may receive an inquiry letter and will need to respond to it in a timely manner.
If you become involved in an accident while not insured, the DMV can also be notified of your failure to comply with the law requiring at least a minimum amount of bodily injury liability coverage.
You don’t have roll over, pay the citation and be done. Over-eager traffic enforcement intermingles with errors every day. Always be ready to fight back. The odds are in your favor when you work with NY Traffic Firm.
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If you are accused of allowing your automobile insurance to lapse, you are facing the threat of serious potential consequences including the possibility that you’ll temporarily lose your license to drive. Fines are very high for not having automobile insurance, so this can cause a significant financial burden if you struggle to pay the civil fine that was triggered as a result of operating a car that is not insured.
A New York traffic crimes attorney can assist you in better understanding your options when you have been accused of driving without insurance. Sometimes, those options include defending against the accusations because there is insufficient proof that you had no insurance or because you can raise an affirmative defense showing why you were not insured. In other circumstances, fighting the accusations is unlikely to have a successful outcome and Simon Kabzan can advise you on taking another approach to responding to the allegations, such as trying to negotiate a deal to reduce penalties.
You should work with an experienced attorney who can provide personalized advice and guidance on what is best for your specific situation. NY Traffic Firm has provided help to many motorists who are facing legal trouble as a result of not having insurance coverage. We can guide you through the process of responding to the serious accusations that have been made. We’ll work hard to try to protect your license and finances, regardless of which approach is right for you.
To find out more about the help that we can offer if you’ve been accused of operating a vehicle without insurance, give us a call today.
