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/in....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/in....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...

[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/s...d.php?t=147728
read this thread...