I got a driving with a lapsed insurance ticket in my dads truck oct 2008 but the insurance ccard was still valid!

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I got a driving with a lapsed insurance ticket in my dads truck oct 2008 but the insurance ccard was still valid!

Anonymous Jan 30, 2015 Bankruptcy and Debt 5 views 3 answers

I took my dads truck when he was sleeping and i was stopped for no reason and when the cop ran the info the insurance came back lapsed but the insurance card was still valid. I could not know that the insurance lapsed and i did due diligence as a driver of another persons vehicle and all info looked up to date! I went to city court and told the judge and she only fined me 100$ plus a NYS surcharge and i thought all was done until 1 year later i got pulled over and the cop said my license was revoked by the DMV and they NEVER sent me a certified letter telling me my license was revoked and i owed 750$ civil fee! Messed up! How can the DMV get away with that when i was taken care in court! They still to this day have never sent me a letter! I have been in S Carolina and got back to NY!

Terri Kalker · Answer 1 · 2026-06-15T13:20:59+00:00

If you plead guilty to 319.1, Operating Without Insurance, it results in a mandatory 1 year revocation of your license and $750 Civil Penalty.

Eric Rothstein · Answer 2 · 2026-06-15T13:20:59+00:00

It is a collateral consequence of your plea. I assume you didn't have a lawyer. Had you gotten a letter from the insurance company the ticket might have gotten dismissed.

John Brosnan · Answer 3 · 2026-06-15T13:20:59+00:00

License revocation is mandatory if you plea guilty to no insurance. If you had an attorney, they would've known that and been able to get you a much better deal. Treat this as a learning experience.

I got a driving with a lapsed insurance ticket in my dads truck oct 2008 but the insurance ccard was still valid!

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