Registering a Vehicle in New York

Registering a Vehicle in New YorkResidents of the state of New York who own and operate a motor vehicle are required by state law to register this vehicle with the New York Department of Motor Vehicles (DMV). This law applies to all types of vehicles, including new and used cars, whether purchased from an individual or a dealer. Furthermore, new residents of the state who have their vehicle registered in another state are also required to renew the registration for the vehicle in New York as soon as they move to the state.

If it’s your first time registering your vehicle, you will only be able to register in person at the DMV. However, individuals who are renewing their registration can do so online, by mail or by telephone, in addition to the standard option of registering in person. New residents have up to 30 days after their arrival to officially register their motor vehicles.

For first-time registrations, vehicle owners must act upon the following:

  1. Provide proof of insurance. Note that your insurance must be from a New York auto insurance company. Auto insurance policies from any other state are invalid.
  2. Compile required paperwork. If your vehicle was purchased from a dealership, the dealer should have already sent the required paperwork to the DMV. If you did not purchase your vehicle from a dealership, you will be responsible for providing proof of ownership and Form MV-103 (only for vehicles purchased before December 1994).
  3. Complete an application for registration form.
  4. Provide proof of sales tax paid on the vehicle and proof that your vehicle meets the state-mandated emission standard.
  5. Have proof of identity on hand.

Registration fees will vary depending on a few different factors, including the weight of your vehicle and requirement of specialized license tags. Keep in mind that an initial registration fee will be a higher cost than a renewal. Registering a motorcycle has similar guidelines as those for registering a standard automobile; however, motorcycles are registered for one year only and all must be renewed on April 30th.

Your Tour to DMV – Keep Your Sanity

Your Tour to DMV - Keep Your SanityThere are may dreadful things in the world and definitely one amongst them is your trip to DMV. Be it any DMV office in any state, there is always a bad crowd. With large number of people waiting for their turn, you will get singled by a fellow patron and end up listening to all his stories for hours together. Sometimes the visit does not just happen once but thrice or even more. It can be a small work of just a name change on license, updating title or change of address on registration, the wait at DMV never ends.

Tips to Remember!

  • Lets avoid the trip: Be it a request to duplicate your license, schedule road test or change of address, everything can happen online. You can just schedule the meeting with DMV as per your convenience. Online DMV services are made available in most of the states. Check thoroughly to avoid the trip completely.
  • Do not take your child: Kids usually do not have so much of patience to stay at one place for long time. They will start screaming and whining which can cause a lot of stress on you. Better leave them behind with a family friend or relative.
  • Do something useful: Instead of wasting your time for hours together, you can get a magazine or novel to gain some information. However, be alert when your number will be called.
  • Go prepared: You stand for hours to reach front in the line and realize you have missed out on your id card, insurance policy etc. Find out what needs to be carried and have all the necessary documents ready.
  • Smart scheduling: Your time is precious, make best use of it in a smart way. Try and avoid the trips on Mondays and Fridays, instead choose mid week. Do not visit on peak hours, usually at morning 9 or afternoon at 2 after lunch. Mid month is better than first and last day of month. Do not visit before or after a holiday.

Avoid Knocking on DMV Door

To Avoid Knocking DMV DoorVisiting a DMV is more or less similar to visiting a doctor. Long awaiting queue’s and never ending lines can make a patient individual to grow impatient. Department of Motor Vehicle is that door which has to be knocked by every driver owning or even riding a car. Below are some tips which makes your journey to DMV quick,.easy and painless.

Steps to Avoid Long Waits

In order to save your precious time, find a best way to deal with DMV by looking for another place where you can conduct this business. In few states, third party companies are involved in handling registration of cars, ordering of personalized license plates, applying for duplicate titles and other routine details to conduct more or less similar transactions.

Some states have offered few services online to help in reducing wait time of it’s citizens. Actually asking for the drivers to renew or register their vehicles by mail, by online or by telephone. The residents of these states can go online and request for copies of their driving record, apply for license and also schedule their driving test. If at all any driver is required to go to a DMV office, then he can check availability on department’s site through their websites.

Also, there are smart phone applications supporting registration of your car. A state DMV also allows it’s residents in person visit to get an appointment scheduled for services like, replacing or renewing of driver’s license.

To speed up the process, you need to carry all required and necessary documents in hand. Teens who are looking for learner’s permit, better to check their state DMV website and double check for documents needed to present at a DMV office. If at all you want to sell your vehicle or transfer ownership, make sure to clear all loans or debts on your car and release signatured documents of loan. Do check for more details on your state DMV website. You can also opt for best time such as middle of week or month, where you might have to wait for shorter period. When a visit to DMV is mandatory, lets make it feasible.

Shedding Light on California Car Insurance Requirements

An Insight!When you are cruising down the Pacific Coast Highway in your fancy new convertible, you better have California car insurance or you may have to face the consequences if you are involved in an accident or get pulled over by a police officer. In California, all drivers and vehicle owners are required to carry a minimum amount of liability insurance.

Liability insurance covers bodily image or damage you may be responsible for in the event that you are involved in a motor vehicle accident. It does not cover you, but rather, the other party or parties involved in an accident that was determined to be your fault. California follows tort law, which assigns blame to one party or another for unintentional damage that they may cause as a result of their careless or negligent actions.

Like many other states, California requires a minimum amount of bodily injury and property damage liability coverage. The minimum is $15,000 for injury to a single party and $30,000 for all parties injured in a single accident. Property damage is set at a minimum of $5,000.

There are several other options for covering the state’s minimum financial requirements. You can place a $35,000 cash deposit with the DMV or obtain a surety bond for $35,000 from a licensed California insurance company. Fleet owners with at least 25 vehicles can choose to self-insure as long as they acquire a certificate of self-insurance from the DMV.

Now just because you can get away with minimum amounts of California auto insurance that does not mean that coverage is adequate. If you are involved in an accident in which you are found to have been at fault, any amount of damage above the minimum covered by insurance becomes your responsibility.

A new car can easily suffer $10,000 or more of damage and a serious physical injury to another person might result in a $100,000 or more of medical bills. To protect your assets, a prudent person would buy enough coverage for the worst possible scenario they can imagine.

What are the laws concerning auto insurance in California?

Abide To The Auto Insurance RulesPeople who live in the state of California and want to drive are required to carry a certain minimum amount of California auto insurance. Like most of the country, California operates under a tort system, under which drivers are held responsible for bodily injury or property damage that they cause while operating a motor vehicle.

California requires anyone that operates a motor vehicle to be financially responsible for any bodily injury or property damage that may result from an accident that was determined to be their fault. Most people opt to purchase California car insurance, which will protect them in the event of an accident.

Minimum California Auto Insurance Requirements (15/30/5)

With this minimum amount of liability coverage, your insurance company will pay up to $15,000 for injuries sustained by an individual that suffers bodily injury as a result of your actions while driving a vehicle and up to $30,000 for all persons injured in a single accident that you were found to have caused. It will also pay out up to $5,000 for any property damage that was a result of the accident.

Other Ways to Insure

California has several other ways to prove financial responsibility and be allowed to legally drive a car. In lieu of a California car insurance policy, one may make a $35,000 cash deposit with the DMV and self-insure against a possible at-fault accident. Fleet owners of 25 or more vehicles may choose to set up a fund on their own instead of buying traditional California auto insurance. Upon sufficient proof that the fleet owner has set aside sufficient funds, the DMV will issue a certificate of self-insurance. Finally, an individual can obtain a $35,000 surety bond from a licensed California insurance company.