my insurance lapsed. In new york, when there is a gap between insurance providers, even if it is a day, you have a choice of paying a fine, or save the money and turn your plates in for the same amount of time you had the gap of insurance. Mine happens to be 22 days, and since turning in the plates is MUCH cheaper than the fine, i opted for the plates. Luckily I have my gf's car and the 22 dyas are actually 22 days, not business days.
still sucks all the same though