Change, Reinstate or Cancel Insurance Coverage
Your insurance company should report a change of insurance company or coverage electronically to the DMV.
Change of Insurance Coverage
Your insurance company must notify the DMV electronically if your insurance coverage is
- canceled
- reinstated
- you get new insurance coverage
- transferred along with your plates to another vehicle
If your insurance company does not properly notify the DMV, the DMV will suspend your vehicle registration and may suspend your driver license. If your insurance company does not file an electronic notice to DMV, the DMV will send you a letter about your insurance. Read the insert mailed with the letter and follow the instructions on the letter.
In your response to the letter from the DMV you must prove one of the following:
- You have insurance coverage
- The vehicle was sold
- Insurance coverage was not required in New York State
If you have insurance coverage, ask your insurance company (do not ask your agent or broker) to file an electronic notice of insurance coverage with the DMV.
Change of Insurance Company
You do not need report a change of insurance company to the DMV unless you get a letter from the DMV that requests information about your new insurance coverage. Your new insurance company must report your new liability coverage to the DMV electronically.
Add or Remove a Driver from Insurance Coverage
Contact your insurance agent or company to add or remove drivers from your automobile insurance policy. You do not need to report this information to the DMV.
Cancel Insurance Coverage
If you do not have liability insurance, you must surrender your vehicle plates to the DMV immediately.
If your liability insurance is about to lapse and you do not plan to replace it with other insurance, surrender your vehicle plates to the DMV before the lapse.