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How can the police legally give you a "no insurance" ticket if you have liability insurance?

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How can the police legally give you a "no insurance" ticket if you have liability insurance?

Postby channon60 » Sun Nov 20, 2011 1:39 pm

If the insurance doesn't cover the car you were driving when you were pulled over, they can do it and they're right.

ANY car NOT on a policy is NOT covered, thus driving it is a violation of the law.

Pay the fine and pay to cover EVERY vehicle that you drive.
channon60
 
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How can the police legally give you a "no insurance" ticket if you have liability insurance?

Postby hartun39 » Sun Nov 20, 2011 1:52 pm

Liability Insurance does NOT cover any car you drive, it is specific to one vehicle. The law says you must provide proof of insurance on the vehicle that you are driving.

Some insurance companies have recently started selling policies that cover the driver instead of the vehicle (maybe what your thinking). However, be warned that these policies are not legal in all states and may not constitue proof of insurance.

As a driver you are required to have financial responsibility if you cause an accident. Considering most of us cannot afford a law suit, that is why insurance is required. If you can prove to the state that you have the financial means to meet their requirements, usually between $250,000 and $1,000,000, then you can be "self insured" and don't need to carry insurance.
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How can the police legally give you a "no insurance" ticket if you have liability insurance?

Postby suttecliff » Sun Nov 20, 2011 2:01 pm

Simple, if you dont' insure all the cars you own, they aren't covered. You have to have insurance for each car.

Your insurance will cover you driving someone else's car (for which you can't buy insurance), but it won't cover you for driving any car except the one named.

So you are driving without insurance.

Tell you what, sell some of the several cars (how many do you need anyway), and spend the money on insurance for the rest.

You are also running a business for those cars, so if you don't have business coverage for those cars, they may also not be covered.

Your best bet might be an umbrella policy. Ask your agent, or are you lying to your agent about the cars you own.
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How can the police legally give you a "no insurance" ticket if you have liability insurance?

Postby eston » Sun Nov 20, 2011 2:07 pm

no
eston
 
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