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QuestionInsurance Question  I live in NYS, can I register/insure a different vehicle if I have a lapse in insurance on another vehicle and cannot register that vehicle for another 3 months?

AnswerAuto Insurance Answer

No, in NYS you cannot register any vehicle when a registration in your name is suspended. You must wait until the suspension ends before you can register any vehicle.

The New York State Department of Motor Vehicles tries to stop people from going around the penalties imposed for having a lapse in insurance or driving without insurance, which as you know includes a suspension of your registration and if your license can be suspended as well if the lapse exceeded 90 days.

As another example of what the NYS DMV also does not allow as a way around the registration suspension is they will not issue a new registration for your vehicle under a different name if the DMV determines that the purpose of the new registration is to avoid the suspension.

The DMV will not issue new registration for a vehicle whose registration is suspended if the applicant for the new registration:

  • has the same last name as the registrant whose registration is suspended, or
  • resides at the same address as the registrant whose registration is suspended.

The DMV will not issue a registration to any person unless that person makes a sworn statement on form FS-2. The statement certifies that the purpose of the application in not to avoid the results from the current suspension. The local DMV Office determines if the application will be accepted or rejected.

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