26 | Driver’s Manual INSPECTION Insurance RESIDENT AND NON-RESIDENT RESPONSIBILITY Your vehicle must be covered by liability insur- ance as long as it is registered, even if you do not  drive it. Minimum liability coverage is required of  $50,000 against the death of one person and  $100,000 against the death of two or more per- sons, $25,000 against injury to one person and  $50,000 against injury to two or more persons  and $10,000 against property damage. Insurance  coverage limits refer to death, injury or damage  related to any one incident. Before your liability insurance expires or is  discontinued, return vehicle plates at any state  or county motor vehicle office. Be sure to obtain  a DMV Universal Receipt (FS-6T) to turn in your  vehicle plates. If you do not do this, you may have  to pay a civil penalty for each day the vehicle  was not insured or your vehicle registration can  be suspended. If your vehicle is not insured for  90 days, unless you have turned in your vehicle  plates, your driver license will also be suspended. If you receive a letter from DMV that asks  about your vehicle insurance, read it carefully and  respond as directed in the letter. Motorcycles must be insured, but you are not  required to turn in the vehicle plate when your  motorcycle insurance is discontinued or expires. Anyone who drives or permits a vehicle to be  driven in New York State, this includes people  who are not New York residents, must be able  to prove the vehicle has acceptable liability  insurance, (see “Insurance,” above, for minimum  insurance coverage required). If you are convicted  of driving an uninsured vehicle or if you allow an- other person to drive your uninsured vehicle, your  license or privilege to drive in New York State will  be revoked for at least one year. The same penal- ty applies if the DMV receives evidence that you  were involved in a traffic crash without insurance. Most vehicles sold in New York State must be  inspected within 30 days of the date of transfer  or sale and must have a certificate of inspection  before delivery. If you purchase a vehicle from  someone who is not a NYS dealer, you must have  the vehicle inspected within 10 days after you  register it. Make sure to request a “Ten-Day Time  Extension for Motor Vehicle Inspection” (VS-1077).  If a person moves to NYS, an inspection certifi- cate that was issued before is valid until it expires  or one year from the date it was issued, whichever occurs first. Under some conditions, vehicles sold at retail  are exempt from the inspection requirement.  These conditions are: transfer to a “welfare to  work” program; transfer of a chassis; transfer of  a vehicle through factory direct delivery; transfer  of a vehicle for registration in another state or  country; transfer of a scrap vehicle; and transfer of  a vehicle to a long-term lessee (lease buyout). After the first inspection of your vehicle, it  must be inspected at an official state-licensed  inspection station before the expiration date on  the current inspection certificate. An inspection is  also required on change of registrant. Inspection stations have yellow and black “Official Motor  Vehicle Inspection Station” signs. Heavy trucks,  buses, tractors and semi-trailers must be inspect- ed at special “Heavy Vehicle” Inspection Stations  and motorcycles at special Motorcycle  Inspection Stations. Putting your signature on a registration renewal  form certifies that the vehicle was inspected as  required by law. Keep track of when your annual  inspection is. Schedule a new inspection early, so  you will have time to repair your vehicle if it does  not pass. After inspection, the vehicle inspector will issue  a sticker for the vehicle to prove it has passed in- spection. If your vehicle did not pass, the inspec- tor will give you a rejection notice. In most cases,  your vehicle must be repaired to meet standards  and must be inspected again. A vehicle that is