Liability Auto Insurance Discounts in New York
Reader’s Question:
I live in Buffalo, NY and I will be moving to another state in three months, what will happen if I cancel my liability insurance?
Harold
Buffalo, NY
The car insurance company must notify the Department of Motor Vehicles (DMV) if you cancel your liability insurance. If your insurance coverage is reinstated or you get new insurance coverage, your car insurance company in Buffalo, NY is also required to notify DMV. If the car insurance company does not file an electronic notice about your new or reinstated liability insurance, the DMV will send you a letter about your insurance. Once you receive the letter, read the insert mailed with the letter, and follow the instructions in the letter. You are given 10 days from the date of the DMV letter to prove that you carry an insurance coverage, prove that you sold the vehicle, or show other proof that insurance coverage was not required in New York State. If you do have insurance coverage, also ask your car insurance company to file an electronic notice of insurance coverage with the DMV.
If you do not have liability insurance, you must surrender your vehicle plates to the New York State DMV immediately and make sure you get a receipt. You must respond to the letter you receive from the DMV or surrender your license plates to avoid the suspension of your registration and driver’s license. If your liability insurance is about to lapse and you do not plan to replace it with other car insurance, surrender your vehicle plates to the DMV before your insurance coverage lapses.
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