Traffic Violations for Driving Without Insurance in New York State

Attorney Arthur Pressman defends your right to drive

New York law requires that every vehicle driven on a public road must carry liability insurance. As the insured, you must be able to provide confirmation of coverage. If you fail to comply, you run the risk of being ticketed or arrested and your vehicle being impounded by the police. In addition, the Department of Motor Vehicles (DMV) may suspend your registration, requiring you to turn in your license plate. At the office of Arthur L. Pressman, Attorney at Law, we have more than 27 years of experience aggressively defending New Yorkers in all areas of traffic law. If you have been stopped and caught driving without insurance, you could face serious penalties.

New York auto insurance requirements

New York has very specific insurance laws regarding the operation of a vehicle. Insurance must be issued and company licensed by the New York State Department of Financial Services. The registration and insurance must be listed under both the same name and the same address. The minimum insurance requirements are as follows:

  • $25,000 bodily liability maximum for one person injured in an accident
  • $50,000 bodily injury liability maximum per incident
  • $10,000 property damage liability maximum for one accident

Our Buffalo law firm can provide you with aggressive defense if you have failed to meet the minimum requirements. We can swiftly resolve any simple oversight and restore your driving privileges promptly.

Penalties for driving without insurance in NY

New York has established minimum insurance requirements to operate a vehicle. If you have failed to maintain insurance coverage on your vehicle, you can be subject to receive a citation from a police officer and the potential of financial loss if an accident has occurred. Driving without the minimum insurance in NY is a criminal offense carrying the following serious consequences:

Arthur L. Pressman can prepare a solid defense to help overcome the harsh penalties of not meeting the minimum insurance requirements.

Liability of drivers without insurance if they allow others to drive their uninsured vehicle

Letting someone borrow your vehicle is a common occurrence. However, know that if you do, you assume liability for that person. If you do not have the required insurance and the person is in an accident, you may be held liable.

New York law states that vehicle owners are liable whether they drive their vehicle or allow others to drive. The penalty is loss of your driver license for at least one year ― the same penalty if you were the one who actually had the accident while uninsured. In addition, you may need to pay in full many other fines, fees and costs, often as high as $1,500, prior to applying for a new license.

Seek help from an experienced traffic attorney

We defend you when you need it most, throughout New York State. Contact the office of Arthur L. Pressman, Attorney at Law for a free initial consultation at (716) 984-1795 or online. For your convenience, our office is on the subway line, and we offer a free initial phone consultation seven days a week. In addition you may pay your attorney’s fees online.

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