This information provides a comprehensive overview for new immigrants navigating New York's driving regulations. Here’s a concise summary to keep in mind:

1. Types of Traffic Violations and Points System:

New York uses a point system where various infractions add points to your license, which can lead to suspension if you accumulate 11 points within 18 months. Some common violations and their associated points include:

• Speeding:

  • 1-10 mph over the limit: 3 points

  • 11-20 mph: 4 points

  • 21-30 mph: 6 points

  • 31-40 mph: 8 points

  • Over 40 mph: 11 points (can lead to suspension)

• Reckless Driving: 5 points

• Running a Red Light: 3 points

• Texting While Driving: 5 points

2. Driver Responsibility Assessment (DRA):

Accumulating six or more points within 18 months subjects drivers to the DRA, an additional fee paid over three years, beyond any standard fines. This helps ensure drivers remain cautious.

3. Vehicle Insurance Requirements:

New York requires specific minimums for car insurance, ensuring protection for both drivers and the public:

• Liability Coverage:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

  • $10,000 for property damage

• Personal Injury Protection (PIP): $50,000 per person

• Uninsured/Underinsured Motorist Coverage:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

Maintaining proper insurance is critical for financial security and compliance with state laws.

Recommendations:

• Stay Informed: Regularly review the New York Driver's Manual to stay updated.

• Drive Defensively: Adhere to speed limits and traffic rules to avoid penalties.

• Insurance Compliance: Always verify that your insurance meets New York's minimum coverage.

For more personalized advice, consult a licensed attorney familiar with New York traffic laws.

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