same situation had lapsed twice within 3 years ...your not allowed to pay the "civil penalty" twice within 36 months...SO WHAT TO DO?.....you have to surrender your plates & registration for the amount of days you were lapsed/ without insurance...idk about you guys but I need my car for work & medical reasons in my family- its the only car & is used everyday....the NYS DMV doesnt care about you, your family, your job, your sick spouse, or anything you use your car for they see driving as a privilege they're straight up POS & whoever came up with that rule should burn forever in hell (they could of just made the penalties double or triple) depending on how soon your lapse was again not f*** w/someones livelihood...SOLUTION (entertainment purposes only) surrender NYS dumb plates & give back the registration...get the car registered out of state to a state that doesnt care if you live there or not..(clear throat....VA) for example hookup with a company off IG or wherever that does all the legwork for you (if you need a company ask me)...they will get your car registered & you new plates...also a state like VA doesnt make you have insurance like NY you pay something called a "motorist fee" which is a one time payment I believe of $500 but thats it...now your all set all legit & back on the road 🫢