No Insurance, Received Tickets...

[TheLegace]

I was stopped yesterday for one of my headlights being broken. I had to drop a friend off and it was kind of an emergency. Right now I have G class liscence, and it is my parents car who have insurance put on it. I failed to show to my liscence since I forgot it at home and could not find insurance papers. So I have received 4 tickets, one for headlight, one for failing to show liscence, one for owners documents and one for no insurance card. I wanted to know what kind of consequences I am facing or what can I do about this, since I have no insurance on this car, but my parents do.

Any help would be greatly appreciated.

Thank You.

TheLegace

[ygtgxi]

it seems like those are all not moving violations

correct me if i am wrong

so just go talk to a prosecutor and everything should be okay

[TheLegace]

it seems like those are all not moving violations

correct me if i am wrong

so just go talk to a prosecutor and everything should be okay

Well the exact tickets are named as so:

Fail to surrender permit for motor vehicle
Fail to have insurance card
Driver fail to surrender liscense
Drive without proper headlights - Motor Vehicle HTA,

I think I have summons issued since I have some determit points. Which is why I dont have insurance anyway.

I am going to speak to the lawyer that did my cases for other ticket. I sincerely hope everything would be allright, and there is just a fine. I don't mind paying it.

Thanx
TheLegace.

[Bazooka Joe]

Do you live with your parents? If you do, and you are not listed on their policy (even as secondary driver), you would not be covered and as such wouldn't be insured. Have you filled out an exemption form with your Dad's insurance company? If not, you may be on his policy.

On the other hand, from what I understand, police when they pull people over only check to see if the car is insured, and not wether the driver is the one on the insurance. Lesson to be learned here, you can avoid that ticket in the future by carrying the insurance papers with you (regardless of who's listed on them).

[TheLegace]

Do you live with your parents? If you do, and you are not listed on their policy (even as secondary driver), you would not be covered and as such wouldn't be insured. Have you filled out an exemption form with your Dad's insurance company? If not, you may be on his policy.

On the other hand, from what I understand, police when they pull people over only check to see if the car is insured, and not wether the driver is the one on the insurance. Lesson to be learned here, you can avoid that ticket in the future by carrying the insurance papers with you (regardless of who's listed on them).

So will there be an insane fine or any points ruining my record?

Because I previously had insurance on that vehicle, so I think I may be exempt or waived from the policy explicitly. Still wondering what the consequences will be.

Thank You For Info

TheLegace.

[Bazooka Joe]

Assuming you're in Ontario (don't know if other provinces call it the HTA as well).

http://www.fsco.gov.on.ca/English/insurance/auto/undautoins.asp#itsthelaw


Fines for vehicle owners, lessees and drivers who do not carry valid automobile insurance can range from $5,000 to $50,000.

If you are found driving without valid automobile insurance, you can have your driver's licence suspended and your vehicle impounded.

If you are convicted of driving without valid automobile insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether. If you are injured in an accident while driving or occupying an uninsured vehicle

That being said, as a first offense, if you can clean your act up a bit after you are sentanced, and you don't have the means to pay the rediculous fine, you can go to the Justice of the Peace who will reduce it significantly. I knew a guy who did it multiple times from 10k down to $100-$500.

[TheLegace]

Assuming you're in Ontario (don't know if other provinces call it the HTA as well).

http://www.fsco.gov.on.ca/English/insurance/auto/undautoins.asp#itsthelaw



That being said, as a first offense, if you can clean your act up a bit after you are sentanced, and you don't have the means to pay the rediculous fine, you can go to the Justice of the Peace who will reduce it significantly. I knew a guy who did it multiple times from 10k down to $100-$500.


Eeek so I am going to have to fight the min $5000 fine...uh oh, this is not good for me.

Thanx.

[Pete_Coach]

Well the exact tickets are named as so:

Fail to surrender permit for motor vehicle
Fail to have insurance card
Driver fail to surrender liscense
Drive without proper headlights - Motor Vehicle HTA,

I think I have summons issued since I have some determit points. Which is why I dont have insurance anyway.

I am going to speak to the lawyer that did my cases for other ticket. I sincerely hope everything would be allright, and there is just a fine. I don't mind paying it.

Thanx
TheLegace.
The only thing you can do is get the proper advice from your lawyer. By your statements, I suspect you are paying more on lawyers fees than the insurance would have cost? In any case, be prepared to pay (now for the fines and whenever you really need insurance) and hope you keep your license.

[pierrefleur]

fight them all

[TheLegace]

Although it seems kind of pointless to speculate anything. I just want to know why when the Police Officer wrote the ticket, he knew my liscense information he did not have insurance information? Is that stored in the police database, or do they really need insurance card to find that out?

Couldn't their computers know that I was driving without insurance?

TheLegace.

[Friday5PM]

I don't know the details of your charges, why don't you bring proof all of your docs: license, insurance (Parents'), ownership to the police station at the earliest time. They'll sign it that you have these docs and then schedule a court date, it happens to me a decade ago, the charges were dropped.

As long as your parents have insurance on the car and this is just a one time driving the car I think you're ok.

As far as the broken tail lights, it should be a warning...if you fight it I think the judge will let you off the hook

[Friday5PM]

Although it seems kind of pointless to speculate anything. I just want to know why when the Police Officer wrote the ticket, he knew my liscense information he did not have insurance information? Is that stored in the police database, or do they really need insurance card to find that out?

Couldn't their computers know that I was driving without insurance?

TheLegace.

Next time, ask your parents to keep a photocopy of the ownership and original insurance card in the glove compartment. as far as your license, try not to forget it...:lol:

[mocha'n'me]

After reading this thread it makes me sad. No wonder everyone's rates are so high. "Emergency" or not, if you don't have insurance don't drive. If you're not sure, don't drive. Why do you think they have other public transportation options like buses, trains and even taxis? If it was a real "emergency" maybe you should have called 911. I hope you do get at least a $5000 fine. It's exactly what you deserve. Maybe you'll learn a lesson, although based on your other posts, tickets and fines are common place.

[phht]

I agree with one poster that they are all non moving violations and the OP apparently have all the legit documents, he just did not have them at the time of the stop.

insurance: the car is insured under his dad, he may or may not be named in the policy but it only have consequence if the car was in an accident
driver's licence: forgot at home
car registration: forgot at home
broken light: non moving violation

Bring all papers: car registration, driver licence, insurance card, repair light receipt to first attendance meeting, the charges may just be dropped.
If any charge remains, fight it, it may get dropped at the trial date.

[scotchtape]

http://www.redflagdeals.com/forums/showthread.php?t=147728
read this thread...

[selpats]

OP - Best of luck getting these fines reduced/removed, sincerely.

Remember in the future though that driving a privilege, not a right and you have to act responsibly when behind the wheel. That includes making sure you have all the proper documentation with you and that your vehicle is in proper working condition. I suspect however that from this incident you won't make that mistake again! ;)

Good luck.

[chilicat]

Assuming you're in Ontario (don't know if other provinces call it the HTA as well).

http://www.fsco.gov.on.ca/English/insurance/auto/undautoins.asp#itsthelaw



That being said, as a first offense, if you can clean your act up a bit after you are sentanced, and you don't have the means to pay the rediculous fine, you can go to the Justice of the Peace who will reduce it significantly. I knew a guy who did it multiple times from 10k down to $100-$500.

He was not charged with No Insurance. He was charged with failing to surrender the insurance card. Huge difference!! The fine for CAIA 3.1 is like $110.00 (including costs/surcharges).

[voodoo401]

Wonder what the "emergency" was.....:razz:

[stuntman]

Do you live with your parents? If you do, and you are not listed on their policy (even as secondary driver), you would not be covered and as such wouldn't be insured. Have you filled out an exemption form with your Dad's insurance company? If not, you may be on his policy.
.

That sounds confusing. Bottom line is he may be covered. Check with your parents insurance company. Different insurance companies have different policies.

I have no idea how to get out of the tickets....maybe a few hundred bucks and some traffic ticket fighting company would be best.

SM

[l69norm]

..As long as your parents have insurance on the car and this is just a one time driving the car I think you're ok....


...insurance: the car is insured under his dad, he may or may not be named in the policy but it only have consequence if the car was in an accident.....

+1 for the valid insurance. There's 2 variety of tickets the OP can get - failure to carry insurance card = $400. There's another flavour of this ticket (which the wording escapes me) = about $40. (whoops - $100 - see above)

OP, look at the ticket and see which one it is. The ticket is under the "Complusary Automoble Insurance Act", so there's no points.

BTW, if you were specifically excluded from your parent's insurance then you must produce a document showing other insurance coverage or you can get a $400 ticket

[umop]

As long as your parents have insurance on the car and this is just a one time driving the car I think you're ok

How would they figure out if you were driving the car just this one time or if you drive it regularly?

[Mattones]

you had what like 24 hours to show your liscence and they will remove the ticket. I remember hearing that in driving school like 4 years ago.

[Skirby01]

Eeek so I am going to have to fight the min $5000 fine...uh oh, this is not good for me.

Thanx.

As long as the car is insured with your parents, you should be okay. Only the owner of the car gets the insurance and anyone with a license can drive the car under that insurance with consent of the registered owner. However, you should be listed on your parents' pol, if not, that's more of an insurance company problem than a Highway Traffic Act problem.

Driving without an insurance card isn't a huge fine; driving without insurance is...yours shouldn't be too bad...

Lesson being, DRIVE WITH YOUR PAPERWORK AND LICENSE!

[Nikita]

Wow, this thread sure ended up in the toilet fast!


Although it seems kind of pointless to speculate anything. I just want to know why when the Police Officer wrote the ticket, he knew my liscense information he did not have insurance information? Is that stored in the police database, or do they really need insurance card to find that out?

Couldn't their computers know that I was driving without insurance?

TheLegace.

LOL...no, the police computers don't contain your insurance information.

Hmmm....and a bunch of posts just got deleted...lol.

[Friday5PM]

Lots of funny characters here....lol

Anyway, don't the police have access to insurance info that you entered when renewing your sticker?

[stuntman]

As long as the car is insured with your parents, you should be okay. Only the owner of the car gets the insurance and anyone with a license can drive the car under that insurance with consent of the registered owner. However, you should be listed on your parents' pol, if not, that's more of an insurance company problem than a Highway Traffic Act problem.

Driving without an insurance card isn't a huge fine; driving without insurance is...yours shouldn't be too bad...

Lesson being, DRIVE WITH YOUR PAPERWORK AND LICENSE!

Being listed on your parents insurance will also help reduce your own rates down the road. Even when I was not driving I made sure I was listed on a policy, if I did not the good rate that I did have would have skyrocketed.

SM
Some useless advice: don't take any wooden nickels

[AndyJ]

Some useless advice: don't take any wooden nickels

+ 1 I agree selpat advice is useless

[stuntman]

Hey, I just got a PM at 2:31pm:


Silly little twat. You have started something you really shouldn't have. :lol:

Great, now I have some guy with no job that has nothing better to do than harass me.

stuntman

[beerbaron105]

I think some of you are confusing driving with no insurance with failure to produce insurance card.

He merely failed to produce an insurance card, the driver does not have to be insured, the vehicle has to be insured and was insured under his parents policy.

[AndyJ]

Closet selpat didn't threaten me...I guess he learned not to give useless advice and insult that reflects on him self.

[bly]

I had to drop a friend off and it was kind of an emergency.

It was an emergency so I'm sure the tickets/fines are no big deal compared to the alternatives of not driving. Just pay them off.

[rb]

1) Provided you are driving the car with the owners permission and are not an "EXCLUDED" driver on the policy - you are covered by the owners insurance.

I don't think any of the offences will cause you're premium to rise - they are just set fines