New York Insurance Lapse Attorney
Handling Insurance Lapse Suspensions for 40+ Years
The NY DMV takes insurance lapses seriously because driving without liability insurance can be costly for both you and other drivers should you get into a car accident. It also gives your insurance company and the DMV an impression that you’re risky on the road and pose a threat to public safety.
What is Considered a Lapse in Auto Insurance?
Driving a registered vehicle without liability insurance, also called an insurance lapse, is illegal in New York. An insurance lapse can occur between the date your insurance is canceled and the date:
- your new insurance begins
- you surrender your vehicle plates
- your registration expires
- other proof of insurance is valid
- your insurance company reinstates your insurance coverage
An insurance lapse can also occur during the time between your vehicle registration and the beginning of your insurance coverage. If you can’t prove that you can take financial responsibility for the damages that you may cause from negligent or reckless driving, then you can’t get behind the wheel. If you do drive on an insurance lapse in New York, you could face serious penalties.
If you’re facing accusations for driving with an insurance lapse, or without liability coverage, you need to protect your driving privileges at all costs and contact (212) 235-1525 to retain legal representation.
What Happens If You Don’t Return Your License Plates in NY?
New York drivers must surrender their license plates before ending their vehicle’s liability insurance coverage or to register their vehicle in another state. This is because the DMV must destroy the plates to avoid duplications.
Thus, if you fail to surrender your plate before your liability insurance coverage ends, the NYS DMV will suspend your registration and may even suspend your driver’s license. If you need to surrender plates from another state, be sure to do so with that particular state’s DMV, not the NYS DMV. Failing to surrender license plates before registering a vehicle in a different state may carry administrative penalties as well.
How does this apply to motorcyclists? If you have a motorcycle, you do not need to surrender your motorcycle plates, although, you must be insured to ride it. You don’t have to surrender your motorcycle plates if there’s a lapse in your liability insurance coverage, either.
If you have a trailer, you must only return the plates if the trailer doesn’t have a valid registration. Trailers typically do not need liability insurance and the DMV won’t suspend your driver’s license or registration if you don’t return your plate.
How to Surrender Your New York State License Plate
So, how do you surrender your New York State license plate? If you handle it through the mail, follow the steps below:
Remove plates and stickers, including plate frames and fasteners.
Fill out the Plate Surrender Application (PD-7) for each set of plates you’re returning.
Mail the application with your plates in an envelope to the address below:
NYS DMV
6 Empire State Plaza
Room B240
Albany, NY 12228
If you want to return your plates at the DMV, complete the first two steps described above but instead of mailing the plates and PD-7, bring those items to a DMV office near you. You will pay a $1 processing fee and receive an FS-6T receipt afterward, so be sure to keep the receipt for your records.
Recent Reviews
Read What Our Clients Have to Say
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"Would highly recommend, thank you again!"The NY DMV can be difficult to navigate, I am so glad that I called Martin A. Kron & Associates. Vanessa and the team resolved a difficult situation for my family in a matter of days.Anthony
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"If you need an Ace in the hole, he's your man!"Mr. Kron was on top of my case like an eagle in the treetops and kept me informed the entire time of every change as well as every possible outcome. His attention to detail, professionalism, and demeanor is UNMATCHED.Spiro
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"The best decision I made."
I highly recommend Martin Kron & Associates. I had a great experience. A good friend recommended me to Marty last year when I received a speeding ticket in NYC. Marty knows the process extremely well, listened & answered all of my questions, and ultimately got my ticket dismissed. In addition, during the past 20 months, when I had questions regarding the adjournments and processes, all of the people in his office were extremely responsive, professional and great at answering all of my questions. Before getting the referral to Marty, I called a few other traffic law firms that I found online to possibly handle the ticket. They all sounded like ticket factories with no real service and no real people behind you. Having Marty or one of his attorneys representing you in NYC traffic court was the best decision I made and is 100% the right answer. I got a great result and felt that I had the A-team on my side. If you get a traffic ticket in NYC, I would call Martin Kron...
Eric -
"No fine and no points on my license!"Martin is an excellent lawyer. I had a hearing for a cell phone ticket that I forgot about. I called him 1 day before and Martin attended the hearing the following day in my absence and got me a No Guilty Fee! Resulting in no fine and more importantly - no points on my license!John
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"He was always calm and patient with me."Martin is absolutely the best at what he does! He helped me from beginning to end with an improper cell phone use ticket. He made himself available for me consistently and returned my calls if he wasn't able to speak. He explained things in detail and answered all my questions. I literally bugged this man with questions because of my anxiety and he was always calm and patient with me. On the date of my court hearing, I walk right in and right out as he tells me I got your case dismissed. I had the biggest smile on my face and I was certainly relieved. Hands down he is an excellent communicator and is surely effective! Thank you, Martin!Tasha
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"Martin A. Kron got me off with a warning."In September 2015 I was faced with a very serious New York City traffic violation. I was very upset with the predicament I had gotten myself into & reached out to Martin A. Kron for legal counsel. Subsequent to explaining what happened Martin agreed to handle my case & assured me I was in good hands - at this point I formally retained Martin. I sweated out a possible suspended license - I was humiliated, embarrassed & humbled by the sheer recklessness of my actions. I swore to myself that if I got off with just a warning I would never ever disobey the traffic laws again. Via his expert legal acumen & experience, Martin A. Kron got me off with a warning. I strongly recommend The Law Offices of Martin A. Kron to anyone facing a traffic violation. In summary, do not disobey the traffic laws - the consequences are just not worth it.Robert
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"Martin is the perfect person for this job."
As a former NYS Traffic Law Judge and having previously sat where the Judges before him now sit, Martin is the perfect person for this job. Besides a plethora of experience on and off the bench, he's kind and honest, he listens and is attentive to your concerns, is straightforward and most importantly, gives out reasonable expectations. He always returns phone calls in a timely manner and makes himself accessible even on weekends. And to top it off, he even has a sense of humor. Hope I never have to hire him again, but if the situation arises, he's my go-to guy!
Margie -
"Awesome Law Firm!"Had a serious criminal matter, attorney helped me get it reduced to just a fine and NO CRIMINAL RECORD!!!!! So happy saved my life and job! Also had a traffic ticket DISMISSED. Reasonable prices too ……never charged me and we had to go to court at least a dozen times.Chris
What Sets Us Apart?
We Put the Needs of Our Clients First
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Over 40 Years of Experience Handling Traffic Cases
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Former New York State
Traffic Court Judge -
Trained by New York State Department
of Motor Vehicles -
Provides Personalized One-On-One Attention to Every Client
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In-Depth Understanding of New York & New Jersey Traffic Laws and How Points Transfer Across State Lines
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Fast, Reliable Communication Every Step of the Way