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PENALTIES FOR NO CAR
INSURANCE ARE TOUGH
By Chuck Wells
At least 1 in 10 cars out there
on the road has no car insurance right now even though car
insurance is mandatory in New York State and there are hefty
penalties for driving without insurance.
Here’s the scoop:
You must have car insurance
when you have plates on a car. It doesn’t matter if the car is
drivable or not. It doesn’t matter if the car is just sitting
there and you don’t drive it. It doesn’t matter that you are out
of work, went on a trip so you couldn’t pay your insurance, or
your aunt was sick.
If your lapse of insurance is
90 days or LESS, you have the option of paying an $8 per day
fine (per vehicle) or turning in the plates to DMV for the same
amount of time you were without insurance.
If your lapse of insurance is
MORE than 90 days, you need to turn in the plates for the same
number of days you were without insurance and your driver’s
license will be suspended for the same number of days.
If this lapse of insurance
happens again within a 3year period, you CANNOT pay the fine.
You must turn in your plates. No option.
Some people try and re-register
the car in someone else’s name so they can continue to drive the
car. If you are asked to do this for someone, do not. You can be
personally responsible (and be sued) if anyone has an accident
with that car. If your last name is the same or the address is
the same as the uninsured driver, DMV may not do it anyway.
People who let their car
insurance cancel and then come in to re-write when they have
some money, usually have multiple license suspensions and really
don’t care that they are driving without insurance. They also
don’t care that the $8 per day fine plus other penalties is more
than what it would have cost to keep their insurance going. I
had one guy driving for a year before he picked up insurance!
KID AND MOM SUE SCHOOL
A 13
year-old kid and his mom (no mention of a father) sued
Intermediate School 143 in the Bronx. The boy decided to leave
school at lunch time to run out and get pizza. While out of
school, he got into a fight and some other kid kicked him in the
knee. Our 13 year-old has hemophilia and developed complications
with his knee after the fight. Mommy said that the school was
negligent because their safety plan required monitors on all
exits so the kids can’t escape school. The school had to pay
$32,000. Evidently her kid got out and that is the school’s
fault.
DRIVING WHILE DUMB
A 20
year-old from Boggstown, Ind. was killed when he lost control of
his truck as he stuck his butt out of the driver’s side window.
Now that’s road rage!
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