Convoluted License Suspension Question
New York Jul 26, 2026
location: New York I am going to try to make this as short as possible as it’s a long story. Until recently, I was on a parent’s car insurance, and we were dropped on May 22nd. Said parent did not open the email he was sent and so I did not know I had no car insurance until June 19th when I got a notice from the DMV. I got new coverage that same day and thought everything was taken care of. What I didn’t realize was that regardless of getting new insurance, I was still driving uninsured for 25 days and so a 25 day license suspension started July 18th. Sadly I did not get my mail last week and didn’t know that (100% on me). On Wednesday of this week, while driving, another car hit me. He was fully at fault and insurance is paying for my damage, but at the scene the cop informed me my license is suspended. He was very nice about it and did NOT write me a ticket since he could see the suspension was related to insurance and I do have active coverage. Now I am at the point where I will need to submit an accident report to the DMV because the cost of a new bumper will very likely exceed $1k. But by doing that, I’ll be informing them that I was driving on a suspended license… Is this something that could result in me being charged/fined, or does the cop’s decision to not write me a ticket at the scene mean I’m in the clear for this specific incident? I totally know that I am at fault in several occasions of this story and this is not me wanting validation, just objective answers about whether I could be facing a charge as a result of submitting this report (and I could also be suspended again for NOT submitting it of course). If you read this far tysm
