Insurance lapses on repossessed vehicles

My vehicle was repossessed. I received a letter from the DMV about a lapse of insurance on the vehicle. What can I do?

Mail these to the DMV

  • the bottom part of the letter from the DMV about the lapse of insurance
  • a copy of the Notice of Repossession that includes
    • the date of repossession
    • the name and address of the registrant
    • the vehicle year, make and Vehicle Identification Number (VIN)

If you do not have a Notice of Repossession, mail a letter written on the lending institution (lienholder) letterhead and signed by an official of the loan company. The letter must

  • verify that the vehicle was repossessed and provide the date of repossession 1
  • include the name and address of the registrant
  • include the vehicle year, make and Vehicle Identification Number (VIN)

Address to mail to

NYS Department of Motor Vehicles
Financial Security Bureau
PO BOX 2725
Albany NY  12220-0725

If you are unable to provide the required documentation noted above, you must immediately surrender your registration and plates to the DMV.