Question by Mike G: Will the court run my proof of liability insurance through a database to verify or will they just look at it?
I was pulled over in the central-most state for a minor traffic citation, and my proof of liability insurance was expired. The truth is, even though I intend to always have insurance, this Insurance company never notified me that mine was expiring or asked me to renew it, and so I never thought of it, and so I don’t think I had any liability insurance at that time. The officer told me if I take valid proof of insurance to the court, the “no proof of liability insurance” citation can be waived. I know I can easily modify the year on my card and print it off, since it was originally given to me as a computer file. So, my question is, will the court just look at the proof I give them to see that it’s valid and current, or will it be run through a database to verify?
Thanks all for the 7 replies so far. I have some responses & follow-up questions.
As for me being shady…admittedly my idea of changing a couple digits on the document is shady. However, IF I didn’t get busted, the end result is just that I avoid getting stuck with a citation & fee. It’s not like someone else is being harmed by my actions, which I would definitely be against–because I’m not shady in that way.
Anyway, “keri.kerri” & “dog meat sandwich” mentioned that I should just have current insurance when I go to the court and then I’ll be fine. But I thought that what matters, like “insuranceman” (who seems to be an expert) said, is whether I had current insurance when the citation was given, regardless of whether or not I do now. Isn’t that how it works? I haven’t gotten the new insurance yet, though I definitely need to. However, WILL THAT HAVE ANY IMPACT AS FAR AS THIS PENDING CITATION IS CONCERNED?
Maybe the idea is that showing that I have current insurance now will make them much more likely to cut me some slack.
Also is it really just a minor fine for driving without liability insurance? I thought it might be a fairly hefty penalty. Though I’m sure nothing like the penalties for forgery and perjury. WHAT SORT OF PENALTY (potential fine amount and anything else) WOULD I BE LOOKING AT FOR DRIVING WITHOUT LIABILITY INSURANCE?
Best answer:
Answer by keri.kerri
If you just purchase insurance, that is what the court will be looking for – CURRENT valid proof of insurance. Don’t add forgery to your troubles. Get insurance.
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Tags: court, Database, insurance, just, liability, look., proof, they, through, verify
#1 written by justbeingher December 14th, 2011 at 06:35
Yes they will check it. Why the hell would you think it is even an idea to consider to falsify a record for a court? They tend to look down on that sort of thing and prosecute it as fraud.
#2 written by gomanyes562 December 14th, 2011 at 06:38
It depends on the court. Sometimes they can check through a state database, and sometimes they just call the insurance agent and ask.
DO NOT give the court a fraudulent document. This is perjury, which is a felony in most cases.
btw, what is the central-most state?
#3 written by Insuranceman December 14th, 2011 at 07:31
The court will call the agent listed on the ID card or the insurance company listed. They will want to know the DATE and TIME that the coverage started – and if your citation is BEFORE the date and time, you’re BUSTED!
My office probably gets several calls a week!
Don’t try to fake you way thru – you WILL get caught and in our area of Texas, presentation of a counterfeit card is a Class B misdemeanor!
Good lucka and I hope this helps! Just go get your insurance before going to court – and tell the judge what happened.
#4 written by dog meat sandwhich December 14th, 2011 at 07:33
I can tell you this, what you’re talking about doing is illegal and the Judge won’t give you a slap on the wrist if you knowingly submit a fraudulent document to the Court. Sounds like you’re little sketchy anyway, why not just borrow the money and get new insurance?
#5 written by LEM December 14th, 2011 at 07:35
Driving without insurance – minor traffic violation for which you can get a fine at a max, especially if it’s the first time. No permanent record, just a bit of cash.
Document forgery and perjury (telling the court you have insurance when you don’t is a perjury) are both serious criminal offenses punished by heavy fine and more likely than not a jail time…
You make your choice, if you want to even remote risk of being booked right in the courtroom for the second, or just pay your fine as a reminder that it is not your insurance’s responsibility to remind you to renew – it’s your responsibility to have a current insurance coverage.
#6 written by Johnobub December 14th, 2011 at 08:34
Who knows