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What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Thu May 25, 2017 12:10 am
by birke26
my boyfriend got pulled over in my car last night for speeding , the cop then asked for proof of insurance, we said we had just gotten insurance and did not have the papers, he then cited us for unsafe speed and no proof of insurance. the cop said that we could go to court and show the proof of insurance and that citations would be taken care of but heres the thing the car we were driving really is NOT insured and my boyfriend does not have insurance either...so we don't know what will happen. i am planning on going to get insurance for the car within the next two days will this lessen the fines if we appear with proof of insurance at court even though we got it after we were pulled over

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Thu May 25, 2017 11:52 pm
by Llara
I believe that the fine for not being insured is like 700-900 dollars in california, if u get insurance b4 u go to court the judge may just give u a slap on the wrist, but ur bf will still be fined for speeding. he may have to go to traffic school.

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Mon May 29, 2017 1:09 am
by Eth
Here is what is supposed to happen:

1. In California, a vehicle cannot be registered without insurance.
In California, if you have insurance and then you stop having insurance, then the insurance company tells the DMV and it cancels the registration.
If you do not have insurance, then you also do not have valid registration, either because you never had it or because the DMV had to cancel it because you stopped having insurance.
The police officer should have run your plates, determined that you did not have valid registration, and then either given your a ticket for driving without valid registration, or had the car impounded.
From your story, it sounds like this did not happen.

2. If the police officer goes to court when you do, and he remembers that you said you already had insurance, and the papers show you got the insurance after the ticket, then he might arrest you for telling him a lie.
I am not saying that this is likely.

If this is his first time getting cited for anything, then your boyfriend will probably have the option of either (a) paying the fine for excessive speed and getting one or two points on his license, or (b) paying more money and going to traffic school, but not getting any points on his license.
Either way, he will have to pay something because of the excessive speed.

Someone (I am not sure whether it is you or your boyfriend) will have to pay the fine for not having insurance.

And you will have to register the vehicle (either again or for the first time), because any registration that you may have had would have ended due to not having the car insured.

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Mon May 29, 2017 9:51 am
by Terika
No way around the fines.
It will not change the outcome that you got insurance later.
At the time of the stop you had no insurance.
You should consider yourself lucky that they did not Impound your car.
You would have been out even more.

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Tue May 30, 2017 3:19 pm
by kenjiro91
evaluate costs from the final companies at - INSURECOMPARE.documents- RE What occurs in california while you're stopped without vehicle coverage? I study at the instant that 40 seven % of stated / stopped Drivers in California have not any License, NO coverage, and NO Registration for the vehicle (of that 40 seven %, over ninety two % have been illegals). i'm basically thinking what the effects are while you're caught using without vehicle coverage?

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Thu Jun 01, 2017 6:16 pm
by Dacian
It's all up to the judge. You lied to a police officer, which is not looked kindly upon at all. That may prompt the judge to ' throw the book at you'.

California is VERY strict about it's insurance laws. If you ever get caught again, you could lose your car and your license AND if you ever get into an accident without insurance, you can expect dire legal consequences.

What Happens When You Don't Have Insurance And Get Stopped In California?

PostPosted: Tue Jun 06, 2017 5:43 am
by Fletch
It will be to his advantage to buy insurance BEFORE appearing in court, but it will NOT reduce the fine. The insurance binder will have the time and date the policy went into effect. The Vehicle Code requires you to carry proof of insurance at all times when driving, and he was not. Without proof of insurance at court the court will order him to buy insurance, and provide evidence that he has.


If this citation is reported to the DMV he may also get a letter from them stating the vehicle's registration is suspended until proof of insurance is filed with the DMV, and they will monitor that policy to make sure he doesn't cancel it a month or two later.