Would a judge check if my insurance card is valid if he were handling my insurance ticket?

Answer 1

If the effective date of the policy was PRIOR to when you got the ticket, you'll be OK. If the effective date was AFTER the date of the ticket, you'll be convicted. If the judge suspects that your insurance card is phony or altered, he can demand that you provide a copy of the binder or cover page for the policy.

No insurance company on the planet will back-date a policy!

Answer 2

Sorry guys, I can speak with respect to Texas and Texas courts and we are not set up on some big electronic database that tells the court or police whether insurance is valid, although sometimes I wish we were. Currently the State of Texas is working on something but they have not been able to iron all the bugs out yet or even figure out how to fund it much less maintain it.

Now to answer the question, If the case were here in Texas say like in the City of Dallas the Judge may have the one of the court clerks or bailiffs call to verify whether the insurance was in force at the time of issuance of the ticket. This would be up to what the judge wants. If they were in a bad mood they highly likely verify the validity of the insurance. If there docket is full they want to hurry up and clear it they would most likely just dismiss it and let it go. I know some judges in Dallas don’t care about the validity of the insurance at the time of issuance of the ticket as long as you come to there court with proof of valid insurance. I’ve also seen them dismiss tickets for registration and inspection violations if you come to there court with proof you got that taken care of before you appeared in front of them. In any case these are all going to depend on the municipality in which the ticket is issued and just how strict the judges are, judges weald a lot of power in most states even on a city level. Many times there docket will dictate just how strict they are.

Good luck and avoid all this in the future by maintaining insurance, Liability alone is not that expensive. Take care

Answer 3

Like both of the two previous answers state, it simply 'aint gonna fly'.

What everyone overlooked is that the judge won't need to look it up. With all insurance companies being linked to the state's DMV, he will already have a printout available with the effective and expiration dates of any insurance you have (as well as prior insurance histories if the court has asked for those). The judge will likely already have it in front of him when you go to trial or plead.

Sounds like you took a gamble and lost. Hope it was just a ticket and not an accident. Either way, time to cowboy up.

.

.

Answer 4

Of course he will. And don't even think of asking an agent to back-date a policy. It is illegal. The furthest back a policy can be back-dated by an insurance company is the date the policy is bound by an agent. I am a licenced broker, and, if you are buying insurance effective today, the actual time of day is part of the certificate, so a policy issued at 2:00 PM wouldn't get you out of a ticket you received on the way to my office unless you had already faxed me documentation that I needed to put the policy in force, in which case the policy would be effective the moment I told you on the phone I had everything, and I was processing it, and had bound coverage. Any back-dating is cause for suspension of a broker's licence.

Answer 5

It is entirely possible that the judge would turn to the bailiff of the court, and ask him to call and verify your insurance being current and valid, yes. Were you planning on appearing in court on a no insurance violation with a bogus card by chance? Don't. Many states now have an on line data base to check your status no matter what the printed card says.

Answer 6

They will usually require a certified letter from your insurance company that your insurance was active and in force for the date of loss.

Just because you have the insurance card doesn't mean that you had insurance (it could have been cancelled or could be a fake card).

Answer 7

There are two ways to do this: lie through your teeth, or plead for leniency (i.e. admit guilt)

lie through your teeth -- present a bogus card, and hope they don't catch you. Unlikely to work, breaks several laws, and it may even land you in jail! (contempt of court, perjury, etc.) Risks, at least to me, is just too great.

plead for leniency -- Yes your honor, I was not driving with insurance that day. I was not aware it had expired. I immediately fixed that with my insurance agent. Here's the new certificate. You can see it's barely _____ since I got the ticket. Please go easy on me. I am very sorry it had happened, I don't really mean it.

You decide which one you'd rather do, heh?

Answer 8

If i'm wading by all the beside the point training properly, you assert that you purchased a cost ticket for not showing info of coverage, besides the indisputable fact that the cardboard you confirmed is solid by might want to 16th, 2010. If it really is perfect, merely contest the cost ticket and produce the info of coverage to court, or mail it to the violations bureau, in accordance to how your court equipment handles site visitors tickets.

Answer 9

yes, they look it up on the computer to see when the start date was and the experation date is. if you seriously didnt have insurance at the time, you can back pay to the date of the ticket, at most insurance companies.

Answer 10

Yes, and you can bet you life on it.