LOL, what a friendly state who doesn't really mind too horribly if you let your insurance lapse. In NY, first time, even if it's for 24 hours, you have to pay a fine. That's NY being nice. 2nd time, they're not nice. Your registration is revoked. Turn in your plates, period. Pay fine, and have to wait x-number of days before being able to re-register your vehicle. And, the longer it takes you to take those plates to the DMV, the longer you go without plates.
Which, I think is foolish on the part of the insurance companies. It's cheaper on an individual case basis; the problem is (and this is just my speculation), people see others getting away with it, realize that the insurance company isn't going to fight them, and just abuse it to get the free money. I feel that not fighting the little cases has resulted in an increase in the number of little cases. 10k here, 10k there, what's the big deal? They just raise everyone's insurance rates accordingly and still make a nice profit.