I had almost the same problem. I got rear ended. My vehicle was declared total lost I file a lawsuit. It was my first vehicle so I didn't know I had to returned the plates. I got my license suspended for 90 days. In my mind I said you know what I'm gonna wait for the lawsuit money then buy another vehicle so 3 years later. By the way I pay the DMV fees for the license suspension got my license back. So 3 years after I got the lawsuit money I went to a dealership to get a vehicle even tho I had all the money paying everything cash the problem now no insurance company wants to insure me because of the DMV records. Someone told me get a insurance broker but I can't find no information about that.
@michaelpalumbo4880
Ай бұрын
Go to the General Auto Insurance they will insure you.
@esabsablick5492
3 жыл бұрын
What If I don't need my car, what business is it to the DMV? They fined me 650 for insurance lapse. They assume that I'm driving so they fine me? The DMV is just like the FEDERAL RESERVE, CRIMINAL CARTEL.
@beukeboom3879
3 жыл бұрын
They fined you because you didn't turn in your license plates ...... millions of people own cars that are not insured in there driveways ....
@mroni1370
2 жыл бұрын
What is duration of insurance laps; how many months
@esabsablick5492
2 жыл бұрын
@@beukeboom3879 No. they fined because I didn't have insurance. I;ll show you the letter if you don't believe me.
@michaelwaters1876
3 ай бұрын
I have a question. I dropped my insurance company in November of 2023 because they raised the prices so high i couldn't pay anymore. I had no choice. I had no money.....now jump to April of 2024.... im paying off a car loan, which im almost done paying for and out of the blue the bank holding my loan tacks on 1,250.00...which is a whole year's insurance,to protect them against me having no insurance since November. I'm now on disability from my job,my pay is reduced to 60% of my usual pay and even if i wanted to get car insurance it's going to be a WHOLE LOT more difficult because of that. If that wasn't bad enough,the bank wants to raise my car payment from $231/month to $390/month unless i get some insurance.....and even if i do get insurance.....the $1250.00 they tacked on to my remaining balance for having no insurance will stay and i now have that much more to pay to pay the car off. 😢😢😢😢😢Dont know what to do
@michaelpalumbo4880
3 ай бұрын
If you dropped your insurance you need to hand your plates in.
@alanmercado9602
Ай бұрын
What if I insure an unregistered car of a Girl friend and then cancel the policy. The register and insurance expired over 4years ago
@michaelpalumbo4880
Ай бұрын
You cannot legally drive a car on a public highway in NY that does not have auto insurance. If the insurance is cancelled and plates are not turned into the DMV they will suspend the vehicle registration and also suspend the license of the registrant of the vehicle.
@86davecook
Жыл бұрын
If you can help me. I would like it. I live in nyc
@michaelpalumbo4880
Жыл бұрын
Call us 914-777-2990.
@cierahowell8653
Жыл бұрын
We where hit by a financed vehicle without their own insurance. I’m imagining the finance company has force placed insurance. How can I figure out if there is and what force placed insurance will cover if anything for our totaled car and medical costs. The people who hit us with the finances vehicle are evading police, blocking numbers, no answering their door, and hiding for law enforcement: we are completely lost on what to do. This is awful
@michaelpalumbo4880
Жыл бұрын
Report the accident to your insurance company and they can figure out if the other vehicle had auto insurance.
@edgarzamora7228
6 ай бұрын
Hello i have an issue where they suspended my registration for car. But the time lapse will be done in 4 days what should i do next
@michaelpalumbo4880
6 ай бұрын
I don't have enough information to provide an answer. We charge $325.00 for a verbal consultation whereby you can lay out all the facts and then I can apply the laws and rules to the facts of your case and then give you specific advice based on how the law applies to your case. If you want that service call us at 914-777-2990.
@heroknaderi
2 жыл бұрын
Very good detais thank yu. And another isse i see too is some people take a lapsed card andedit the date to show current which is fraud.😀
@JenniferRoseLilGlitterbug33
8 ай бұрын
This just happened to my 20 yr old daughter. I am the co-signer on the car loan and I’m on the title. Can I register the vehicle and drive it if I have a different last name and different address? I have my own car but will park my car so we don’t lose the vehicle to the bank.
@annaamileav626
Жыл бұрын
What do I do? My insurance company was crap and you can never get a hold of them on the phone. They discontinued my car insurance in September of last year but still charge me fees back to back and I did not know that my license was suspended, nor did I know that they canceled it and was still charging me
@michaelpalumbo4880
Жыл бұрын
I would have to look into this in depth, which you would have to retain my office to do. If you want this service, call us at 914-777-2990. Thanks!
@Shottashon
Жыл бұрын
I was involved in a car accident where I was hit from the back while sitting at a red light. A few weeks later I went to the dmv for a copy of my cdl license to find out my license were suspended for none payment that i never received. I have legal court documents showing I was evicted months before the notice was sent out. I didn't have an address to update with the dmv at that time. I've called them several times and told them the sination and offered to provide the documents. They refuse to accept any documents concerning my eviction. I was told being evictied out my home wasn't there problem and that the notice was sent out and I would have to face the suspension. My 90 day suspension will be over Oct 20 2022. I'm a truck driver and lost my job due to this suspension. I went to the court several times just to be told its nothing they can do because the suspension came from the dmv not the court. Is there's anything I can do to have this suspension removed are dropped off my dmv record ?
@michaelpalumbo4880
Жыл бұрын
Unfortunately, the reason you had an insurance lapse is irrelevant. It happened, ergo, the regulatory punishment takes place. In the future, get online with your auto insurer and they will send you bills and reminders via e-mail. You can also set up auto pay via your credit card. Good luck!
@andersonr4562
Жыл бұрын
My wife struck a tree and her car was totaled. I called to place a claim in and at that point was told my policy has been cancelled. I received no letters email or calls. I paid the bill immediately and the policy was reinstated a day after the accident. Is there anything I can do?
@michaelpalumbo4880
Жыл бұрын
Unfortunately there is nothing you can do.
@gp5
Жыл бұрын
My problem was that I returned my lease in February, kept the plates but I kept paying for the insurance because I thought I would just transfer to a new car, I couldn’t find a new car but I kept paying insurance. When the insurance company decided to raise my premium that’s when I decided to cancel my policy, that was in April. Now the insurance company readjusted my insurance cancellation date to February, that puts me over 90 days and I returned my plates June 1st. I called the insurance company to have them readjust the date to the real date of when I cancelled my policy but they refuse to do so citing “that would look like fraud” Even though the dmv offered a restricted license, I can’t do that since I live in Nyc and work in Nj and Nj does not recognize restricted license. What can I do?
@michaelpalumbo4880
Жыл бұрын
You can hire us to make an application to the DMV stating the issue and the fact that the vehicle was in fact off the road and likely they will extinguish the suspension, or you can wait the 50 days.
@gp5
Жыл бұрын
@@michaelpalumbo4880 Perfect, thank you, I will be in contact with you soon.
@mroni1370
2 жыл бұрын
It’s been 3 years I did not register my car registration n didn’t had auto insurance just because I was out of country. What’s I should do to back on wheel
@michaelpalumbo4880
2 жыл бұрын
I need more details we can likely help call me 914-777-2990.
@mroni1370
2 жыл бұрын
It’s normal . Nothing to be panic. Paid normal insurance n registration and back to wheel. No need call him.
@Summbern-si2vy
11 ай бұрын
My registration was suspended for second lapse of insurance due to being out with Covid for a week with my family , lapsed on 9/6 I reinstated it 9/13 . DMV is not giving me an option to pay they said I have to surrender my plates for 7 days , is there anything I can do? Provide our Covid test results? I know 7 days isn’t a lot but it’s a lot when we were just out of work for a week and a half
@michaelpalumbo4880
11 ай бұрын
The easiest thing to do is surrender the plates for 7 days.
@ijuscant
2 жыл бұрын
my class A is NOT suspended. the general insurance took my $441 12/29/21. myDMV says registration still suspended. fine is around $550. It is 12/31/21. driving to and from Massachusetts through the toll even though i have money on my EZ pass is a bad idea because they will know?
@cynthiamcallister2426
9 ай бұрын
What if its on a weekend??
@elicepeda1
Ай бұрын
At your own risk😊
@stencilface5806
3 жыл бұрын
Hey Mr. Palumbo, that situation you mention at the end sounds like what just happened to me. Sounds like more common than I might think? Might make a good video! I was planning to switch my insurance companies. So I opened a new policy with a new company and then once that was done I called the old company to cancel. I recall that they checked that I had insurance on the car before closing. Well, something went wrong. On the way home today I got pulled over and told that my licence was suspended for a lapse of insurance. They towed my car and took my plates. I checked my policy and it's still active. Seems easy to prove there was no lapse as I have pay statements and was literally insured by two insurance companies for a period. So is it just a matter of calling my old insurance company and getting them to straighten it out like you mentioned? Then take that to court?
@michaelpalumbo4880
3 жыл бұрын
If you had insurance all you have to do is bring proof of insurance into court.
@Annthonyy
Жыл бұрын
Question Sir, I got my license suspended due to point system and am set to have it be able to be reinstated this Friday (1 speeding, 3 minor accidents), throughout that time span I was a policyholder on my parents insurance (Geico) however, during my suspended period (6 months ago) Geico kicked me off the insurance however my vehicle is still insured under there policy Im currently shopping around for insurance companies (not doing so good 😭) and I was told that due to them kicking me off the insurance myself even tho my car was still being insured and paying monthly bills it was considered a lapse in coverage What should my next steps be because I thought I would be fine being that I was still making payments and also I can’t seem to get insured by any one as of yet, so I’m actively trying to get insured but it’s still as if I’m not and the lapse time continues
@valenciamorales2836
Жыл бұрын
Question pls sir, I have always pay my insurance immaculately, while I was on this insurance for two years. In one of those months, I paid a day later than the due date, and in another month the same issue I paid a day later than the Due date. My insurance company has a policy that they have a 16 day grace. Period which I was in. But for those two months that were months apart, I have paid a day later than the due date and I did notify them by phone that I will be paying a day later. because, I had to change my bank card. My insurance now is kicking me off of the insurance even though I have an immaculate payment and they’re telling me there’s nothing they can do and they want me to pay the full premium for the year which is $10,000 or they just gonna cut me off. I really feel like that’s not fair and I’m in a bind right now trying to find Insurance. What can I do in this matter?
@michaelpalumbo4880
Жыл бұрын
$10,000 for annual auto insurance? What state is this in? How many cars are you insuring? That seems like a ton of money. I need to know a lot more to have any opinion or advice about your situation.
@angelabueno5714
Жыл бұрын
Question Mr. Palumbo. My boyfriend has a similar situation. He moved to California from NY insured his vehicle here in Cali and he also found out that his license was suspended because NY states they do not honor other states insurance. We just sent his plates in and they were received last week. We’re not sure where to go from here? He has insurance in California but NY is giving him a hard time. Any information you can provide will be greatly appreciated. He drives for a living and can’t afford to have his license suspended
@michaelpalumbo4880
Жыл бұрын
I just resolved the very same problem with another client. She moved from NY to CA and failed to hand in the NY registration plates before dropping the NY insurance. Have your boyfriend call us. I can do the same for him. 914-777-2990.
@volitiveclover
2 жыл бұрын
I have an upcoming license suspension that is (indefinite) on the 26th. The reason being is insurance lapse. So they want me to turn in the plates. I assume if i turn in the plates i can get my license back immediately? . Can i get my license back within the same week? Whats really scaring me is i dont wanna lose my license for the 3 months i had no insurance bc i had no money and my car was in the garage. How long would it take to get my license suspension lifted?
@volitiveclover
2 жыл бұрын
@@michaelpalumbo4880 i got my license restored after i turned in my plates. The registration is suspended for 88 days. It lifts on the 24th of april
@michaelpalumbo4880
2 жыл бұрын
@@volitiveclover Because your plates were out for less than 90 days you were able to pay an $8.00 a day penalty and have your license suspension terminated. Had you waited only 2 more days you would have been unable to immediately have your license suspension lifted. When the insurance lapse is for 90 days or more, your license will remain suspended from the date you turn in the plates for as many days that the plates were out with no insurance.
@volitiveclover
2 жыл бұрын
@@michaelpalumbo4880 does the price of the penalty go down as it gets closer to the suspension lift date? Orrr can the fee be waived if i wait till after the date ?
@ericredd7464
2 жыл бұрын
All of it is unconstitutional.
@michaelpalumbo4880
2 жыл бұрын
It's not unconstitutional for a state to demand that a vehicle maintains auto insurance.
@marcusmccray7527
Жыл бұрын
My car broke down and I stop paying my insurance I got a new car and got pulled over they said my license was suspended so now when I take my tags back what do I have to do to get my license back?
@michaelpalumbo4880
Жыл бұрын
If in NY, you have to hand the plates back into the DMV to start the clock on the DMV lifting your license suspension. When you go there, they will tell you when your suspension lift date is, but the clock won't start until you hand your plates in.
@dashaydaniels1632
Жыл бұрын
I was involved in a hit and run and my insurance lapsed the day before the hit and run. I was unaware that my insurance lapsed because The letter they sent out didn’t make it to me. Can I dispute my claim? I’m in California by the way.
@michaelpalumbo4880
Жыл бұрын
You probably can't win a dispute, but consult with a California lawyer, as I am not licensed to practice there.
@dashaydaniels1632
Жыл бұрын
@@michaelpalumbo4880 okay thank you
@realfacts8358
2 жыл бұрын
hi you doing Mr. Palumbo,, if your license was suspended for the over lapse of insurance ,, I returned the plates within the 90 days but they suspended my license for 117 days,, then I paid the termination fee for $50,,, now I got my license back,, is my registration suspended for my car even they gave me my license back??? can I get my license back from the DMV and still owe any money to the dmv??? I'm so lost... Or can I get my license from the DMV and still have my registration for my car suspended??
@michaelpalumbo4880
2 жыл бұрын
Once you go over 90 days with an insurance lapse, your vehicle registration remains suspended for as many days as the plates were out with no auto insurance. You can drive, but you just can't drive that car.
@tenzackyogi1742
2 жыл бұрын
In order to avoid lapse of auto insurance, I have to surrender plates, registrations & license also. Its ok to buried under garage forever.
@michaelpalumbo4880
2 жыл бұрын
Yes that is what you have to do - before you drop your auto insurance turn in your plates.
@10splay
Жыл бұрын
in new jersey, how many months before you have problems with a lapsed insurance?
@michaelpalumbo4880
Жыл бұрын
I'm sorry, but I am not a NJ lawyer I am a NY lawyer so I don't know. Contact a NJ lawyer who specializes in traffic law and hire the lawyer to consult you on the specifics of your case.
@10splay
Жыл бұрын
@@michaelpalumbo4880 ok buddy. not looking for a lawyer at this time, thx
@ericredd7464
2 жыл бұрын
After 2nd in alabama the car has to be impounded for 3 months.
@omarmorgan6056
Жыл бұрын
Gn my ny state license just got suspended for insurance laps so now am in need of your help
@michaelpalumbo4880
Жыл бұрын
Call us at 914-777-2990.
@upgradegurl
2 жыл бұрын
Question. I had til today to pay my insurance (finances are low at the moment) and when I went to pay my policy was canceled. I’m only one day out of policy. I’ve never been late so didn’t know that it cancels at midnight and not the end of the business day. I have esurance I tried to pay and get a reinstatement but they said they can’t reinstate it because I’m in New York? Are they b.s me or is that really a thing? New York doesn’t allow reinstatements?
@michaelpalumbo4880
2 жыл бұрын
If they cancelled your insurance one day after your bill was due they violated NY State Statute and regulations. Under the law, the insurance company must give the insured a 30 day grace period and very specific warning, the content, font, and method of delivery are all dictated by statute. They also advise the NYS DMV that your insurance lapsed, and they too give you a warning letter. They have to maintain coverage on the vehicle for those 30 days, and only if you fail to pay within the 30 days can they then drop you, and they also have to send another letter, the form of which is mandated and regulated by state law. So either you are trying to pay 1 day outside of the 30 day grace period, or they are violating state law. If you are still within the grace period, call back and ask to speak to a supervisor. Get the person's name, and ask them for a detailed timeline of events. Ask them when and to where they sent their letters. If you are within the grace period, offer to make payment and if they refuse explain to the person that you know that they are in violation of NY State Law and that if they fail to accept payment and reinstate your insurance that you will make a complaint with the NYS Insurance Department. This can be done easily on their web site. Believe it or not, insurance companies do not want complaints to the Insurance Department because they can fine them excessively and also pull their license to sell insurance in NY State. If they still will not insure your vehicle get coverage from a different insurer ASAP. Good luck!
@nyc4410
Жыл бұрын
So I had a situation we’re I tuned my plates in and I had a lapse of no insurance for 104 days so I have to wait 104 days to re register , can I get temp plates in the time Being or what is my Next option because I have to drive to work
@michaelpalumbo4880
Жыл бұрын
The only thing you can do in that case is wait the 104 days.
@nyc4410
Жыл бұрын
@@michaelpalumbo4880 ok i will do so so after the 104 days will i be able to register the same plates to my vehicle
@michaelpalumbo4880
Жыл бұрын
@@nyc4410 No. You need to hand your plates in every day they are out it will be another day you are suspended. After the suspension period is over you can go to the DMV and get a new set of plates.
@nyc4410
Жыл бұрын
@@michaelpalumbo4880 I’ve turned the plates in and will just wait the 104 days but will the bank I got my loan from see my car registration is suspended and will take the car even if I’m paying my cart note on time still
@michaelpalumbo4880
Жыл бұрын
No you cannot get temp plates. You have to either buy another car, rent a car, or otherwise get a ride to and frim work.
@lakeiaparker8268
2 жыл бұрын
Hey mr. Polumbo this is my second laps how can I keep my plates so I can get to work
@michaelpalumbo4880
2 жыл бұрын
It all depends on how long the lapse is and the direct circumstances of the lapse. If you want to discuss it call me 914-777-2990.
@aceboogie3092
6 ай бұрын
I called you and left you a msg my wife's license got suspended like 5 days ago for insurance lapse I think I'm assuming over 90 days because she had to turn her plates in there still insurance on the car and I have to still pay the car note her license is suspended till July smh is there any solution to get this lifted
@lakeiaparker8268
2 жыл бұрын
Sorrry it’s a ny registration can I go to another state
@michaelpalumbo4880
2 жыл бұрын
I am unclear of what your question is give me a call 914-777-2990.
@mamadoubarry4084
2 жыл бұрын
If you’re registration is suspended in NY , can you register the car in another state ?
@michaelpalumbo4880
2 жыл бұрын
No you cannot
@mamadoubarry4084
2 жыл бұрын
@@michaelpalumbo4880 thank you for the answer, once the lapse is past 90 days there’s absolutely nothing you can do ?
@michaelpalumbo4880
2 жыл бұрын
@@mamadoubarry4084 You have to hand your NYS plates into the NYS DMV to start the time clock to getting your registration suspension lifted.
@nyc4410
Жыл бұрын
Can you at least get temporary tags or an 30 day in transit
@robbyrob8349
2 жыл бұрын
Great video. Here in North Carolina if your insurance lapses, the NCDMV automatically knows about it. Then they'll send you a letter with a $50 civil penalty, suspending your registration. If you don't take care of it, then the fine increases, suspend your license.
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