What you Need to Know About Driving Without Insurance in NY

What is the Law?

Driving in New York State without insurance is against the law. According to the New York State Department of Motor Vehicles (DMV), all drivers must have valid insurance in order to operate a vehicle. The State of New York requires that all drivers maintain liability insurance at the minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons, and $10,000 for property damage.

In addition, the State of New York requires that all drivers maintain uninsured motorist coverage. Uninsured motorist coverage is a type of insurance that covers damages caused by an uninsured motorist or a motorist without sufficient insurance. The minimum limits of uninsured motorist coverage in New York State are $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons, and $10,000 for property damage.

What Are The Penalties for Driving Without Insurance?

Driving without insurance in New York State can have serious consequences. If you are caught driving without insurance, you may face fines, jail time, and the suspension of your driver’s license. The DMV may also impound your vehicle if you are caught driving without insurance.

Fines for driving without insurance in New York State can range from $150 to $1,500. You may also face a penalty of up to 15 days in jail and a suspension of your driver’s license for a period of up to one year. The DMV may also impound your vehicle until you can prove that you have valid insurance.

How Do I Get Insurance?

If you need insurance to drive in New York State, you can purchase it through a variety of sources. You can purchase insurance from a local insurance agent, from an online insurance broker, from the New York State Automobile Insurance Plan, or from the New York State Health Insurance Plan.

What is the NYS Automobile Insurance Plan?

The New York State Automobile Insurance Plan (NYSAIP) is a state-sponsored insurance program that provides coverage for drivers who are unable to obtain insurance from a private company. The NYSAIP provides coverage for liability, property damage, and medical payments. The coverage limits are the same as those required by the State of New York, and the premiums are set by the NYSAIP.

What is the NYS Health Insurance Plan?

The New York State Health Insurance Plan (NYSHIP) is a state-sponsored health insurance program that provides coverage for medical expenses. The NYSHIP is available to all residents of New York State who do not have health insurance through their employer or another source. The NYSHIP offers comprehensive coverage for medical expenses, including hospitalization, doctor visits, prescription drugs, and more.