## Insurance 

Your vehicle must be covered by liability insur- ance as long as it is registered, even if you do not drive it. 

Minimum liability coverage is required of $50,000 against the death of one person and $100,000 against the death of two or more per- sons, $25,000 against injury to one person and $50,000 against injury to two or more persons and $10,000 against property damage. Insurance coverage limits refer to death, injury or damage related to any one incident. 

Before your liability insurance expires or is discontinued, return vehicle plates at any state or county motor vehicle office. Be sure to obtain a DMV Universal Receipt (FS-6T) to turn in your vehicle plates. If you do not do this, you may have to pay a civil penalty for each day the vehicle was not insured or your vehicle registration can be suspended. If your vehicle is not insured for 90 days, unless you have turned in your vehicle plates, your driver license will also be suspended. 

If you receive a letter from DMV that asks about your vehicle insurance, read it carefully and respond as directed in the letter. 

Motorcycles must be insured, but you are not required to turn in the vehicle plate when your motorcycle insurance is discontinued or expires. 

## RESIDENT AND NON-RESIDENT RESPONSIBILITY 

Anyone who drives or permits a vehicle to be driven in New York State, this includes people who are not New York residents, must be able to prove the vehicle has acceptable liability insurance, (see “Insurance,” above, for minimum insurance coverage required). If you are convicted of driving an uninsured vehicle or if you allow an- other person to drive your uninsured vehicle, your license or privilege to drive in New York State will be revoked for at least one year. The same penal- ty applies if the DMV receives evidence that you were involved in a traffic crash without insurance. 

## INSPECTION 

Most vehicles sold in New York State must be inspected within 30 days of the date of transfer or sale and must have a certificate of inspection before delivery. If you purchase a vehicle from someone who is not a NYS dealer, you must have the vehicle inspected within 10 days after you register it. Make sure to request a “Ten-Day Time Extension for Motor Vehicle Inspection” (VS-1077). If a person moves to NYS, an inspection certifi- cate that was issued before is valid until it expires or one year from the date it was issued, whichever occurs first. 

Under some conditions, vehicles sold at retail are exempt from the inspection requirement. These conditions are: transfer to a “welfare to work” program; transfer of a chassis; transfer of a vehicle through factory direct delivery; transfer of a vehicle for registration in another state or country; transfer of a scrap vehicle; and transfer of a vehicle to a long-term lessee (lease buyout). 

After the first inspection of your vehicle, it must be inspected at an official state-licensed inspection station before the expiration date on the current inspection certificate. An inspection is also required on change of registrant. Inspection stations have yellow and black “Official Motor Vehicle Inspection Station” signs. Heavy trucks, buses, tractors and semi-trailers must be inspect- ed at special “Heavy Vehicle” Inspection Stations and motorcycles at special Motorcycle Inspection Stations. 

Putting your signature on a registration renewal form certifies that the vehicle was inspected as required by law. Keep track of when your annual inspection is. Schedule a new inspection early, so you will have time to repair your vehicle if it does not pass. 

After inspection, the vehicle inspector will issue a sticker for the vehicle to prove it has passed in- spection. If your vehicle did not pass, the inspec- tor will give you a rejection notice. In most cases, your vehicle must be repaired to meet standards and must be inspected again. A vehicle that is 

