The state of New York has strictly-enforced laws associated with auto insurance in Nassau County NY. They state that any owner with a vehicle registered in their name is required to maintain three policies. These policies include liability, no-fault, and uninsured motorist’s insurance. Stipulations apply to each policy in terms of coverage amounts. Any failure to comply with these state traffic laws results in immediate fines and up to fifteen days in jail in some cases.
Law Updates and Penalties
By law, insurance carriers are required to file a report with the Department of Motor Vehicles whenever a registered owner fails to maintain Automobile Insurance on the vehicle. At any time that the owner’s insurance policy is canceled the insurance provider notifies the DMV immediately. The Nassau County traffic court can issue a citation for non-compliance of the mandated insurance laws. The owner is subject to fines, which range between $150 and $1,500. He or she receives notification of these fines by mail.
Any owner who operates or provides permission to another driver to drive a non-insured vehicle is in violation of Vehicle and Traffic Code 315. This law requires the driver to surrender the vehicle title registration and its license plate to the DMV immediately following cancellation of insurance. At any time, an owner fails to return both items to the DMV the court suspends the vehicle registration and his or her driving privileges.
Transferring Insurance or Ownership
Vehicle owners in New York may transfer their automobile insurance to another carrier. This requires that they provide information about their current insurance policy to the new provider. The insurance carrier is notified of this change and proof of insurance is given to the owner. Some insurance carriers submit the new policy information to the DMV via fax or email to keep records updated.
The owner has the authority to transfer ownership of their vehicle at any time. They are required by law to show proof of this transfer to the DMV and return the license plate. He or she can present the DMV with a bill of sale, an insurance claim where the vehicle was totaled, or a receipt from a salvage yard that purchased the vehicle. The document is additionally presented to the Auto Insurance Nassau County NY carrier to allow policy cancellation.
