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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"He did the IMPOSSIBLE!"I almost never write reviews, but he did the impossible today which warrants a review.Phil
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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 -
"Good communication the entire time."I am an idiot and got a ticket for doing 90 in a 40 in Manhattan. Martin and his people were very helpful throughout the process, keeping good communication with me the entire time. Just got word that the ticket was dismissed. THANKS MARTIN!Satisfied Client
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"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
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"Both tickets dismissed!"I received two cell phone tickets in the past year because I was using the GPS on my cell phone. Mr. Kron was able to get both tickets dismissed and put me at ease along the way.James
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"Martin and Vanessa are superlative professionals, and I can't recommend them highly enough!"Martin took on my case for a flat rate and guaranteed a full refund if he couldn't reverse the suspension. Three weeks later, my license was fully restored!John L.
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"The judges in the courts we were in knew who he was and liked him."Martin Kron and his office did a wonderful job helping me with traffic tickets that were more than 3 years old!!! The judges in the courts we were in knew who he was and liked him and his professionalism. His associates in his office were very very nice, timely and helpful. He was always reachable and actually made the experiment fun... I was worried I would have to pay high fines because I had not done anything about these tickets for so many years, but because of Martin and his relationships with the courts, I really got great fines with no points added to my license!!! I forwarded his information to several of my friends because we finished so quickly. I would refer him again at any time.Darra
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"I am so glad I chose his firm, his fee was well worth it."I am very happy with Mr. Kron's help. He had my ticket for driving with lapsed insurance in New Jersey (1st offense, no bad driving history) dismissed, all I had to pay were $33.00 in court fees. I am so glad I chose his firm, his fee was well worth it.Mariya
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