What is the Penalty for Not Having No-Fault Insurance in New York?

Failure to carry no-fault insurance in New York is not only illegal, it puts you at serious risk—legally and financially. Here’s what happens if you’re caught without it.

Legal Penalties

Under New York law, operating a vehicle without valid no-fault insurance can result in:

• Fines of up to $1,500 per violation

• Suspension of your driver’s license and vehicle registration

• Impoundment of your vehicle

• Jail time for repeat or egregious offenses

DMV and Insurance Consequences

• Your license may be suspended until proof of insurance is provided

• You may be required to pay a civil penalty or file special forms (like SR-22)

• You could face increased insurance premiums for years

Civil Liability Exposure

If you’re uninsured and get into an accident, you’re personally responsible for all damages, including:

• Medical bills

• Lost wages

• Property damage

• Pain and suffering

Grigor Law Injury & Car Accident Lawyers Can Help

We assist clients who:

• Are facing penalties from the DMV

• Have been involved in an accident without insurance

• Need legal support to avoid jail time or financial ruin

We understand the fear and stress of being caught without coverage. Let Grigorlaw guide you through your legal options and work toward resolution.

Bottom Line

The penalties for not having no-fault insurance in New York are too severe to ignore. But one mistake shouldn’t define your future. We’re here to help you move forward.