What Type of Insurance Do You Need? Drivers who get into a car accident without insurance in New York may face penalties, such as having to pay fines or facing driver's license suspension.If you are driving in NY and are involved in a crash you must file an MV-104 (Motorist report) if any of the following occurred. If you have been hurt in an accident, reach out to the Odierno Law Firm to schedule a free consultation with a Nassau County personal injury lawyer. Don't face the personal injury process alone. Call the Nassau County personal injury lawyers at Futterman Lanza, LLP, at 631-894-4730 today. Need a Nassau County car accident lawyer? An attorney can help you communicate with your insurance company and determine where to get the right forms.