Is there a penalty for a lapse of liability insurance coverage?
• If you change insurance carriers or you have a lapse of coverage, your insurance company is required by law to notify the Division of Motor Vehicles. When the Division receives this information, they are required to send Form FS 5-7 Notice, and you are required to respond within 10 days. • If there has not been a break in coverage, you must enter your correct insurance information on the Form FS 5-7 and return it to the Division within ten (10) days from the date on the FS 5-7 Notice. • If there has been a break in coverage, you must re-certify with the correct insurance information and submit payment of Fifty Dollars ($50.00) within ten (10) days from the date of the letter in order to retain your license plate. • Failure to respond within the required time can result in the loss of your license plate for thirty (30) days. • In order to re-license the vehicle after thirty (30) days, you must provide (1) proof of insurance coverage Form FS-1 (which you can obtain from your insurance
