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I had the same thing happen to me two years ago.. I was nervous went to dmv and told them I wanted to keep my plates because I liked the phrase and they said ok. It really didnt make any sense, I had allstate and they said that they would contact the dmv to tell them my insurance was up, yet I never got a notice or fee. I would go to the dmv and talk to them or simply call the trenton number. They will give you all the info you need.

PS.. I still have my plates from over two years ago and no consequences in NJ.

The lady told me the reason DMV wants the plate back is so they can recycle it so there are no duplicate plates.
 
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