will i loose my licence?

Question

i bought a car on the 11th of january 2007 and on the same day i got insurance with the insurance company i use on the 18th of january i was driving my car and was stopped by the police he said you have no insurance on the car and i said i have only had the car for a week and was waiting for my insurance documents to come through he said he would give me a 7 day producer the day befor i received a letter on a signed delivery as i was busy i did not read it till the next day after the police had stopped me it was from the insurance company saying we regret to inform you that we could not give you insurance from the 11th of jan 07 due to canceling of another insurance with them i have had my licence for just over a year now and have never been in trouble with the police i got a court letter through the outher day saying i need to go to court on the 05/06/07 the plea guilty or not guilty wat should i do as i thought i was insured and had a policy number please help

Answer 1

Keep that policy number! If you have to appear in court, I would plead not guilty. As long as you have some sort of proof that you purchased insurance, I don't think they can do anything to you. Make sure you keep the other letter as well and document when you actually read it. Sounds like the cop was being a jerk too. Sorry to hear you're going through all this, it sucks. Good luck!!

Answer 2

The insurance company cannot just say 'they refuse to give you insurance' once they have accepted payment for it WITHOUT giving you seven days notice by recorded delivery - as per the cancellation procedures in their policy document. If this letter states that the policy will be cancelled 7 days from the date of the letter then when you were stopped you did have an effective insurance policy in force.

Go back to the insurance company and ask them for confirmation that you were insured on that date. If they refuse to do so say that you think you are not 'being treated fairly' - these are magic words and will ensure they do anything possible for you. If they still prevaricate advise them that you are instigating a complaint as per their policy wording - they must give you complaints procedure before you take out a policy.

The procedures outlined above apply both to a direct insurance company and an insurance intermediary. If the latter and they are members of BIBA you may wish to raise matters with their Trade Organisation.

Answer 3

I'm guessing you mean 06/06/07, since 05/06/07 was two weeks ago. If so, go to court, plea not guilty, and tell them the letter came the day after you were stopped. BUT, be sure to actually have insurance in effect with another company when you go, and have that proof with you as well. It won't matter what you do if you don't have proof of coverage from somewhere when you go to court.

If you mean you missed court on 05/06/07, you have compounded the problem, but it might help to be able to show proof of coverage prior to that date.

Answer 4

you should call the insurance company and raise hell. if you had existing insurance with them and added the car then you are covered. in Texas, you have 30 to add a new vehicle to your policy. This means, it is automatically covered when you purchase it, provided you add it within 30 days. You will need to check the law in your state. I don't nuderstand what you mean by "it was from the insurance company saying we regret to inform you that we could not give you insurance from the 11th of jan 07 due to canceling of another insurance with them " did you cancel your policy when you got your new one?

worst case, you should not lose you license...but you will have a hefty fine, and may be required to get a SR-22 insurance policy. It would also go on your record. Again, in Texas, we also have a "points" system, whereby no ins. is worth 6 points against you, speeding is 2 pts, DWI it like 10 pts., etc. You have to pay a surcharge every year to keep your license. For instance, i got a no ins. charge, and have been paying $260 a year, on top of the initial fine, just to keep my license.

Answer 5

Take it to court with proof that you got the insurance (policy number) the day you bought the car and plea not guilty. Also take the insurance paper with you proving that they turned you down.You can prove beyond reasonable doubt that you thought you had insurance. I did that. Only problem was that the court ruled in my favor while the California DMV did not. They are two separate entities so if one says yes, the other can say no. I had my license suspended for a year. I kept the car for mainly aesthetic purposes that first year. Try selling a brand new used car. You'll lose a lot of money in the transaction so I decided to keep mine. In the end, I'm glad I did because i had to have an SR1P filing. It's similar to an SR-22 but it's doesn't cost as much because it's not a DUI (or DWI, depending on where you live). Good luck.

Answer 6

If thats the case do you have the receipt upon purchasing the insurance? If you purchase the policy over the internet then its likely they will send an confirmation email of the payment.

Or if you purchased it over the phone did they say when it will start? and were you caught before or after the insurance suppose to start? If you were caught after the insurance supposed to have covered then it would be the insurance\'s company responsibility as they should be able to tell you over the phone the cover was not possible to begin on that specific date.

Anyway i am no lawyer and the assumption was purely based on hypothetical assumptions.

I wish you all the luck should you have the need to go to court.

Answer 7

This happened to me too. I got my insurance, then a new job in a pub. Got stopped by the cops and given a producer. When I called the insurance company for my documents, they asked me for any change of circumstances. When I told them I was working in a pub, they responded by telling me my insurance was void, as they did not insure people working within the licensing trade! I demanded they wrote a letter (very nicely) to the effect of 'I didn't know', which the police accepted. Thanky lord! (Didn't help me out on my MOT though! You'll be fine. And you really won't lose your license. But if you go to court, you'd be better off pleading guilty, but telling them you're really, really sorry and you'll be extra vigilant in the future, because in the eyes of the Law, you are guilty. (P.s UK based answer.)

Answer 8

You will most likely not lose your license. The maximum penalty for driving without insurance is rarely given. I know people who have received multiple tickets for driving without insurance and never lost their license.

I went to traffic court a few years ago and about 8 out of the 30 people present were there for driving without insurance. The judge told them all that he would reduce the maximum fine of $4500 to a $150 ticket if they all could prove within 30 days that they had purchased insurance.

So could you lose your license? Possibly depending on where you live and what the actual judge decides. It's not very likely, however. You will probably just have to apoligize, pay a fine, and prove you have insurance now. Dress nice for court, and don't show up late!

Answer 9

I presume you are UK based; some confusion with US date - 06/05/ 07 = 6 June . If you genuinely insured your vehicle, you would have been issued a cover note for 30 days, which appears to include the day you were stopped; if this is so, produce it and you are OK

Answer 10

go back to your insurance co and find out why the insurance was not carried over,if you get no satisfaction from them then i would go to the court and try to explain that at the time the insurance co lead you to believe that the insurance was granted and valid for you at the time,
if you are found guilty of no insurance it depends on the mitigating circumstance that you put before the court you could be fined if they belive what you say,or if they do not belive you you could be disqulified,it all depends on how well things are put at court
if you are a member of the AA or the RAC they may be able to argue your case for you