Lory Thurman

Question: Car insurance lapse question for NY?

We don't do automatic payment with our insurance so sometimes we don't have enough to pay and twice we'd lapsed in three years. First time we paid the civil penalty on all three vehicles. This time? There's a three year limit; we had to turn in the plates for eight days (the amount of lapsing) and wait while using a rental car. My mother found out by getting pulled over and getting a ticket. We just got the new plates, new stickers, and are fine now. But she said when you pay the civil penalty you are cleared immediately in the system; if you get new plates and registration, is it the same? She said it can take up to three months until cops read that your registration is valid. I'm having an anxiety attack over this as I've never gotten pulled over and am terrified of cops and travel populated, cop traveled streets to my job. Thanks.

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