Dmv Insurance Update: Notify Nyc Easily

If you are a New York State driver, you are required by law to have auto liability insurance coverage. If you change your insurance policy, your insurance company must notify the DMV electronically. This includes when you get new insurance coverage, your insurance coverage ends, your insurance coverage is reinstated, you transfer your plates to another vehicle, or you change your insurance company. If your insurance company does not notify the DMV, the DMV will suspend your vehicle registration and may suspend your driver's license. If you receive a letter from the DMV about your insurance, you must respond immediately by proving that you have insurance coverage, that you sold the vehicle, or that insurance coverage was not required.

• Ending your insurance coverage
• Reinstating your insurance coverage
• Transferring your plates to another vehicle
• Changing your insurance company | | Consequences of not notifying the DMV | If your insurance company does not notify the DMV, the DMV will suspend your vehicle registration and may suspend your driver's license. | | What to do if you receive a letter from the DMV | - Prove that you have insurance coverage
• Prove that you sold the vehicle
• Prove that insurance coverage was not required in New York State |

You don't need to notify the DMV of a change in insurance company

If you're wondering whether you need to notify the DMV of a change in your insurance company, the answer is no. You don't need to report a change in insurance company to the New York DMV. However, your insurance company is required to notify the DMV electronically about any changes to your insurance coverage. This includes situations where you get new insurance coverage, your coverage ends, or you switch insurance providers.

In the event that your insurance company fails to properly notify the DMV, the DMV may suspend your vehicle registration and driver's license. Therefore, it is important to ensure that your insurance company has submitted the necessary electronic notification to the DMV.

If you receive a letter from the DMV requesting information about your new insurance coverage, you should respond promptly. You may be required to provide proof of insurance coverage, such as an insurance card or an electronic notice of insurance. It is important to note that you cannot provide proof of insurance by phone or in person at a DMV office. Instead, you must submit the required documentation online or by mail.

Additionally, keep in mind that New York State law requires you to have automobile liability insurance to register a vehicle. The minimum amount of liability coverage required is $10,000 for property damage in a single accident, $25,000 for bodily injury, and $50,000 for death for a person involved in an accident, and $50,000 for bodily injury and $100,000 for death for two or more people in an accident.

Your insurance company must notify the DMV of any changes

If you are a driver in New York City, you must have auto liability insurance coverage. This is a legal requirement for registering a vehicle in the state. The minimum amount of liability coverage is $10,000 for property damage in a single accident, $25,000 for bodily injury and $50,000 for death for a person involved in an accident, and $50,000 for bodily injury and $100,000 for death for two or more people in an accident.

You do not need to report a change to the DMV unless you receive a letter from the DMV requesting information about your new insurance coverage. In this case, your new insurance company must report your new liability coverage to the DMV electronically.

If you receive an insurance 'Letter' or 'Order' from the DMV, read it carefully and respond quickly. Contact your insurance company immediately and follow the instructions in the letter. If there is a problem, it is your responsibility to resolve it. If you do not, the DMV can suspend your vehicle registration and driver's license.

You can provide proof that you have insurance online or by mail. After you provide proof of insurance, the DMV will verify your coverage with your insurance company.

Surrender your plates before ending vehicle insurance coverage

Surrendering your plates before ending your vehicle insurance coverage is a crucial step to avoid penalties and keep your registration compliant in New York State. Here are the key points to remember:

Understanding the Requirement

When you plan to end your vehicle's liability insurance coverage, it is mandatory to surrender your plates to the New York State Department of Motor Vehicles (NYS DMV) before the coverage lapse. This is a crucial step to ensure your vehicle registration remains valid.

Surrendering Plates

To surrender your plates, you must submit them to a local NYS DMV office. This step is necessary whether you're ending your insurance coverage or if your insurance coverage has already lapsed.

Consequences of Non-Compliance

Failing to surrender your plates before ending your insurance coverage can lead to the suspension of your vehicle registration and driver's license by the DMV. This will prevent you from legally operating your vehicle until the issue is resolved.

Proof of Insurance

It is important to maintain proof of your insurance coverage. If you receive an insurance-related letter or order from the DMV, you must respond promptly. Your response must prove that you have insurance coverage, or, if applicable, that you sold the vehicle or that insurance coverage was not required.

Role of Insurance Company

While you don't need to notify the DMV of changes to your insurance policy, your insurance company is responsible for notifying the DMV electronically of any changes, including the end of your insurance coverage.

In summary, surrendering your plates before ending your vehicle insurance coverage is a mandatory step to maintain compliance with New York State vehicle registration requirements. Failure to do so can result in penalties, including the suspension of your vehicle registration and driver's license.

Provide proof of insurance online or by mail

If your driver's license or vehicle registration is suspended due to a lapse in automobile liability insurance coverage, you can provide proof that you now have insurance online or by mail.

To provide proof of insurance online, you will need to create a MyDMV account. To create an account, you will need your NY State Driver's License, Learner's Permit, or Non-Driver ID card, and the last four digits of your social security number. Once you have created your account, you can upload the following documents:

• A legible photocopy of your NY State Insurance Identification Card
• The bottom part (tear strip) of your insurance letter

Alternatively, you can mail the above documents to the following address:

NYS Department of Motor Vehicles

Financial Security Bureau

PO BOX 2725

Albany, NY 12220-0725

Please note that the name and vehicle information on your insurance identification card must match the information on your vehicle registration. Also, you cannot provide proof of insurance by phone or at a DMV office.

Surrender your plates if you don't plan to replace insurance coverage

If you don't plan to replace your insurance coverage, you must surrender your vehicle plates to the DMV immediately. Surrendering your plates is necessary to avoid suspension of your registration and driver's license.

• Ensure your address is up to date. The DMV will mail a plate surrender receipt (Form FS-6T) and a refund check, if applicable, to the address on your registration. Update your address if it is not current, and be sure to also file a change of address with the United States Postal Service so that your mail is correctly forwarded to your new address.
• Remove the plates, stickers, plate frames, and fasteners from your vehicle. The DMV will not accept plates with frames or fasteners attached.
• Destroy the registration and inspection stickers from your windshield.
• Complete the Plate Surrender Application (PD-7) for each set of plates you are surrendering.
• Mail the application and plates in an envelope (no boxes) to the following address:

> NYS DMV 6 Empire State Plaza Room B240 Albany, NY 12228

Alternatively, you can surrender your plates in person by going to your local DMV office.

Please note that if you are moving out of New York State, you must surrender your vehicle registration and plates to the DMV before your New York State liability insurance is cancelled.

Frequently asked questions