Important Information for NY Drivers Removing a Car from Their Insurance

 When it comes to adding or removing a car from your insurance in New York state, there are certain rules we though we should remind everyone of. 

Removing a Car from Your Policy in New York 

It is important to remember that in NY State, you cannot remove a car from your policy without first surrendering the license plates to the Department of Motor Vehicles. If you take the car off your insurance policy without first surrendering the plates, the DMV will suspend your driver’s license and you will be fined for having a lapse in insurance coverage.

An important note: If you buy a new car and are going to be using the same plates, this does not apply.

After an Accident 

If you have been in an accident and the vehicle is declared a total loss, you must remember to remove the plates from the vehicle. You will surrender the title to the insurance company and send the plates to the DMV.

How to surrender your license plates:

You can take care of this in person by heading to your local DMV.

If you want to do this by mail:

Remove the plates and be sure to take them out of the frames before mailing. The DMV will not take them if they have frames attached.

Destroy the registration and inspection stickers from your windshield.

Fill out the Plate Surrender Application found on the DMV website.

Please visit New York State DMV’s website for additional information.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.