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 of 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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"Very easy to reach either him or his office."Martin is an excellent attorney. He got the results I needed and it was very easy to reach either him or his office. Martin will be the only red light/speeding attorney that I ever use.Satisfied Client
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"I received invaluable advice on my case."I received a ticket for driving with an expired license and thought I'd go to court myself without consulting an attorney. However, last minute, a friend recommended Mr. Kron. Without much notice, I received invaluable advice on my case which spanned both NY and NJ traffic laws. Instead of having my license suspended, I received a minimal fine. I would highly recommend Mr. Kron He is extremely knowledgeable and professional and I'm very grateful I did not go at it alone.Talia
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"BEST DEAL IN NYC!!!"Had tons of old traffic tickets in NYC. Mr. Kron got them reopened and thrown out. I got emails all the time telling what was going on but I never had to appear.Jack
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"I would refer him to anyone, anytime for anything."I had 3 cell phone violations within 18 months, which by law subjects me to license suspension. Mr. Kron and I deferred our case 4 times which is the maximum. When we finally decided to plead me guilty, Mr. Kron did everything within his power to reason with the judge for leniency-and he succeeded!! I was found guilty, have to pay a fine, but will be able to keep on driving which is extremely important for me to maintain my lifestyle. Most importantly, during this process, I was a nervous wreck. Mr. Kron was immediate in his responses to my inquiries----almost replying to my texts before I hit send!! I cannot thank this man enough... I would refer him to anyone, anytime for anything. He did an absolutely wonderful job for me. One final thought. You know how you read about or see about everything else that works for other people but never works for you? This is a case where this guy was an angel and delivered me the best possible outcome. I am a very lucky man today because of Mr. Kron.Brian
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"He didn't have to talk to me on his weekend but he did."
I Hired Martin to help resolve 2 tickets I received for improper use of a cellphone. Martin listened to my story and was very honest and said I would lose the case unless I could prove it was a dire emergency. Martin explained how the process worked and that there was no ability to plea the tickets down. He explained points of law and how his firm would represent me in the cases. He did this during a Sunday morning while with his family. I was very impressed with his dedication to my cases. He didn't have to talk to me on his weekend but he did. Very classy.
By the way, he won the first case for me! Second is pending. But regardless of the outcome, I know he is working hard to represent my case properly. Thanks for everything
Rob -
"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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"It's a relief knowing they are on my side."
I am currently a client of Martin and his firm. They are a hard working firm and have been a pleasure to work with. I have spoken to several of them on the phone (sometimes on the weekend) and they have been nothing short of kind and generous. Their feedback and guidance thru emails and phone calls have been outstanding. It's a relief knowing they are on my side and doing everything they can to restore my driving privileges. Their attention to detail and enthusiasm in helping me is unlike no other firm I have dealt with. I would highly recommend them if you are in any sort of traffic violations.
Sky -
"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
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