You Play, You Pay

It is illegal to drive on the streets of New York without New York Car Insurance.  When you do this, you not only place yourself in a compromising situation, but you also put other drivers in danger.  The purpose of insurance is to ensure all parties that if an accident occurs, money is available to make any necessary repairs or cover other expenses.  New York has established and implemented some stringent laws when it comes to driving without insurance.

For instance, if you are pulled over and are unable to produce verifiable automobile insurance, you will receive a fine that could potentially run you anywhere from $150 to $500.  If you are hit with a second offense, be prepared to fork over more hefty fines.  It makes little sense to get into this predicament and end up responsible for large sums in fines (not to mention the fact that you are still required to purchase car insurance, of which the rates will no doubt go up if you continue to rack up these fines) when you can obtain reasonably priced car insurance and make small monthly payments.

In addition to some steep fines, if you are caught driving without car insurance, you run the risk of losing your license as well as the registration to your car.  This punishment makes receiving a fine sound like a walk in the park!  The city and state of New York will make it next to impossible for you to drive a car.  This is not to make your life miserable, but to make sure that you are not posing a dangerous threat to other drivers.



If you lose your license and vehicle registration, yet continue to drive, you will have a difficult if not impossible time trying to convince a judge, the friendly teller at the Department of Motor Vehicles, and your Allstate agent that you are responsible and should be allowed the privilege to operate a motor vehicle. New York Car Insurance

You up the ante when you drive without proper insurance and wind up in an accident.  Now you run the risk of having your car towed to the nearest impound lot, and not only do you lose your car until you are able to produce a valid driver's license and vehicle registration (in addition to having to pay daily impound costs) but you will also most likely be held responsible via a lawsuit for the cost of repairs as well as possible doctor bills if injuries are sustained.  You could wind up in serious debt for choosing to drive on the streets of New York, or any other state for that matter, without insurance.

As you can see, the cost and potential liability for driving a car without insurance far surpasses that of paying a small monthly payment to keep your car legal, and protect the interests of you and other drivers.