NYC Driving Without Insurance Defense Lawyer
How Much Is the Fine for Driving Without Insurance in New York?
When a law enforcement pulls over a driver after observing a moving violation illegal maneuver, or speeding the will ask to see the driver's license, insurance, and registration. If the driver is unable to supply any of these items, their situation could become much more severe than it would have been.
In fact, on top of having to pay whatever fine resulted from the traffic offense, the driver could also be facing up to $1,500 in fines for not having adequate car insurance. If you were accused of driving without valid car insurance, your first step should be to get in touch with a traffic ticket attorney from our legal team at Gannes & Musico, LLP.
Ticketed for operating without insurance? Turn to Gannes & Musico, LLP to fight your ticket today.
New York State Liability Insurance Requirements
Any motor vehicle registered in New York must have liability insurance; the NY required minimum limits are $25,000/50,000 for injury and $50,000/100,000 for death, and $10,000 for property damage caused in an accident. The state of New York is considered a "no-fault" state; therefore, all New York drivers must maintain their liability coverage while their registration is valid, even if they are not using their motor vehicle (except motorcycles).
- Liability coverage must be New York State insurance coverage, and it must be issued by a company that is authorized to do business in New York, and the company must by licensed by the NYS Department of Financial Services.
- In NY, out-of-state insurance coverage is not accepted or valid. Once your vehicle is registered in NYS, your liability insurance must be NYS insurance coverage.
- When you register your vehicle in New York, you must show a NYS Insurance I.D. card.
- The DMV does not accept any type of out-of-state insurance papers.
If you cancel your liability insurance, the insurance company is required to notify the DMV. Your insurance company is also required to notify the DMV if your insurance is reinstated or if you get new insurance. If your vehicle does not have liability insurance, you are required to surrender your vehicle plates to the NYSDMV immediately. If your insurance lapses, then your vehicle's registration will be suspended. Furthermore, if the lapse of insurance coverage is longer than 90 days, then your driver's license will be suspended as well.
Potential Defenses Against Driving Without Insurance Charges
When defending against a charge of driving without insurance in New York, several potential defenses might be applicable depending on the specifics of your case:
- Proof of Insurance: If you demonstrate that you had valid insurance coverage when you were ticketed, this can invalidate the charge. Ensure you have all necessary documentation, such as insurance cards or policy statements, to substantiate your claim.
- Procedural Errors: If the law enforcement officer did not follow proper procedures when issuing the ticket, or if there were errors in the ticket itself, this might impact the validity of the charge. Our legal team at Gannes & Musico, LLP can review the details of your case to determine if any procedural issues or errors could work in your favor.
The Impact of Driving Without Insurance on Your Driving Record
A conviction for driving without insurance can have significant repercussions on your driving record:
- Points on Your Record: Conviction may result in points being added to your driving record. Accumulating points can increase insurance premiums, potentially leading to further license suspensions or restrictions.
- Increased Insurance Premiums: A conviction can lead to higher insurance rates, which could impact your financial situation long-term.
- Employment Impact: A conviction for driving without insurance on your record may affect your ability to secure employment in positions requiring driving or security clearances.
Addressing these charges promptly and effectively can help minimize any long-term damage to your driving record and personal reputation. A skilled defense lawyer from Gannes & Musico, LLP can help you navigate these challenges and work towards a resolution that mitigates the impact on your record.
Should I Pay an Operating without Insurance Fine?
What many people do not realize is that by paying an operating without insurance fine, they are pleading guilty to the offense. Many feel as though it is simply easier to pay the fine and avoid the hassle of attempting to defend yourself, but as you could be facing a fine of over a thousand dollars, it is worth it to try to clear your name. We offer a free case evaluation so that you can tell us the details of your case quickly and easily.
Those who have found themselves in this serious situation need to seek help from a legal professional if they are to have any hope of avoiding these harsh penalties. Our team has years of experience in this area of law and understands how to best help people who are facing these types of accusations. Whether you were accused of operating without insurance or another traffic violation, please do not hesitate to get in touch with a NYC traffic lawyer from our team.
Accused of operating without insurance? Contact a New York traffic ticket lawyer today to see how we could help you!
