Question about getting pulled over by the police

[GE]

How do you feel about no DL, and still driving moms car? Still think they are covered and should be driving?

How I feel is one thing (), but generally speaking, they would be covered in the event of an accident. This is assuming a one time occurance that they were driving the car. Insurance is designed to insure all risks that would be driving the vehicle. A one time thing isn't that big of a deal, i.e. I loaned my car to a friend. Exclusions start to some into play where you have additional risks that you're lying to your insurer about. i.e. I have 5 cars on my policy and I'm the only listed insured, when in reality I have 4 other people that I'm not telling them about. If it's proven that Person X has "regular and frequent use" of a vehicle, a claim could potentially be denied.

This thread just confused me. So I should carry my personal insurance card when driving xy vehicle, even though said vehicle is not on my insurance, or registered to me, but is insured by xy's owner?

If this vehicle throws up a red flag to the popo as uninsured and I get stopped, would I still receive a ticket if I presented my insurance, even though the car I was stopped in isn't listed?

If I'm driving a family member's/friends' car and I am in an accident, it would involve my insurance, and not the policy the vehicle is listed on? (exclusions aside)

Sorry, I just pay for insurance, but I've never used it lol.

If you're driving ANY car, you should carry your insurance card. If you are driving another person's car and get into an accident, their insurance should cover any 3rd party damages, i.e. damage to the other car(s) and any injuries. Now, in your scenario, if you get pulled over in another person's car that is not insured, your insurance would cover damages to any other car you hit (exclusions aside). It would be officer discretion insofar as whether or not to issue a citation (assuming just a traffic stop, not from an accident). You'd just be stuck proving in court that your insurance would cover you in the event of an accident. It'd generally an easy ticket to dismiss, you'd just take your auto policy to the judge and show him the Liability portion stating that you'd be covered. It'd be a hassle, but it'd sure beat paying for a No Insurance ticket. It's not really the cops job to know what insurance policies would come into play, etc. Which is the A#1 reason I never EVER let anyone else drive my car.

[Jose]

Well, it depends. I'd say 99% of the policies out there, allow for a non-listed driver on the policy to be driving the car. It's just an underwriting issue for non-earned premium if/when they find out. I'd get that ticket dismissed all day every day.

Now, as far as the "rolling 28" or whatever you want to call it. Yes, that's generally what happens. Cops run license plates and insurance all the time to see what hits come back. It's more of a back door approach to initiating a traffic stop, because what happens is, they run the plate, get a hit, and then wait for the driver to commit an offense and pull them over.

But that doesn't appear that's what happened here. Esp if he was following the 7 step violator contact (lulz). He told the guy that he thought that his insurance was out, NOT that he thought he saw an expired tag. You can't just run someone's insurance info "just because you didn't think they had insurance". If you ask me, if the cop just ran his insurance info and pulled him over for that, and got the No DL after the stop, it's a bad stop. I don't think there was technically PC to initiate the traffic stop in the first place. Problem is, how much time/money are you going to throw at a $10-50 ticket?

This is exactly what I'm talking about. In this small town who's to say that it "really" came up as having no insurance and wasn't just an excuse to pull him over. And I guess that's really my issue here (because I've personally had problems with this small town), who's to say the officer had a valid reason to pull him over? Did it really show up in some "system" as not having insurance?

[lowthreeohz]

You friend may have been profiled, but it sounds like he fit the bill. The cop could have pulled him over in the driveway because it was the best place, prevented a vehicle chase, or any other reasons. I can't tell you how many times i've been pulled over once i exited a main road, turned into a business, etc. It seems to be common practice.

The fact that he was in his driveway is completely irrelevant, he was seen driving on the roadways and obviously wasn't legal.

tell your friend to stop breaking the law.

[Jose]

Even though it is considered good PC we do not stop for this. Just because there can be glitches in the system. You still have to carry the card just for this reason. A lot of departments do stop for this though and the system is pretty damn good.

Him making it to his driveway makes no difference here. We have people drive an extra mile all the time, thinking that we wont tow thier shit for no DL and FMFR, just because they made it to home base. You are way more likely to get your shit towed if you make me drive an extra two miles or so instead of pulling over right away. If you pull over right away and are close to home, more then likely I will let you make it. Two out of every five stops in my town have no DL and no insurance.

If your DL is not valid then it is perfectly acceptable to write a no insurance ticket. Lots of folks out there have no DL and a BS insurance card. Basically you take it up to the court and then they verify your insurance is legit. Lots of times people have moms insurance card and think that they are automatically covered. Not the case. My insurance agent would tell me to get bent if I said hey my mom is going to drive around my car and she has no insurance.

Not sure why he got the insurance ticket though in this case. I mean why call and then write the ticket?

Now when I say he made it to the driveway, there was no indication that the police office wanted to pull him over until he was in the drive way, i.e. he pulled in right behind him in the driveway and than turned on the lights. Sure the expired drivers license is a given and he did have valid insurance but it just seems to me that the officer was fishing for a reason to pull him over and waited to long.

He didn't get a FMFR ticket, he got the deserved
DWLS citation.

The fact that your buddy made it to his driveway is irrelevant Jose, if he was seen driving the vehicle on a public road, he was indeed driving with an expired license.

If his license was only a month or so expired, then perhaps the cries for "revenue generation" are valid, and the cop was being a prick, but beyond that he deserved the ticket.

What I'm talking about is the reason for pulling him over and when. Why did he wait till the driveway to initiate the stop? Could a police officer come up to me while my car is parked in the driveway and say I don't have insurance and ask for my information? Again it seems like he was profiling and fishing for something to write him up with (harassing him).

[SS Junk]

We have people drive an extra mile all the time, thinking that we wont tow thier shit for no DL and FMFR, just because they made it to home base.

You can in GTA? Y not in reel lyfe?????

[bcoop]

This thread just confused me. So I should carry my personal insurance card when driving xy vehicle, even though said vehicle is not on my insurance, or registered to me, but is insured by xy's owner?

If this vehicle throws up a red flag to the popo as uninsured and I get stopped, would I still receive a ticket if I presented my insurance, even though the car I was stopped in isn't listed?

If I'm driving a family member's/friends' car and I am in an accident, it would involve my insurance, and not the policy the vehicle is listed on? (exclusions aside)

Sorry, I just pay for insurance, but I've never used it lol.

The best scenario is to keep your own insurance card in your wallet, and if you get stopped in someone else's car, present both, so they can't write you up. A buddy of mine wrecked my ex wife's car, and his insurance covered the damages.

[Baba Ganoush]

This thread just confused me. So I should carry my personal insurance card when driving xy vehicle, even though said vehicle is not on my insurance, or registered to me, but is insured by xy's owner?

If this vehicle throws up a red flag to the popo as uninsured and I get stopped, would I still receive a ticket if I presented my insurance, even though the car I was stopped in isn't listed?

If I'm driving a family member's/friends' car and I am in an accident, it would involve my insurance, and not the policy the vehicle is listed on? (exclusions aside)

Sorry, I just pay for insurance, but I've never used it lol.

[kingjason]

There are VERY few proprietary policies in Texas that exclude a permissive use driver from having coverage. Most of them would be commercial related policies. Now, there are certain exclusions in regards to vehicle ownership, how often they have access to the vehicle, etc. But generally speaking (but not always), a one time user would have coverage.

Care to address whether or not you still think this is a good stop? Given the information that Jose initially gave, I think it's a bad stop and there is no PC.

He still had good PC to make the stop if his department allows that. If he ran the plate, and it came back not confirmed, he still had good PC.

My department does not allow us to stop for this only but a lot of other departments do.

How do you feel about no DL, and still driving moms car? Still think they are covered and should be driving?

[GE]

This is what I tell them pretty much but not sure about the 99 percent part. However a lot of times I stop a car and they have moms insurance card, they are not a listed driver, and have a bad license. I would venture to say that insurance company would not pay up in the event of a wreck. Why have an area on the insurance card for listed drivers then?

Not gonna lie I have seen a lot of people that had no drivers license at all with insurance. How the hell you going to insure someone that has no DL?

There are VERY few proprietary policies in Texas that exclude a permissive use driver from having coverage. Most of them would be commercial related policies. Now, there are certain exclusions in regards to vehicle ownership, how often they have access to the vehicle, etc. But generally speaking (but not always), a one time user would have coverage.

Care to address whether or not you still think this is a good stop? Given the information that Jose initially gave, I think it's a bad stop and there is no PC.

[bcoop]

He didn't get a FMFR ticket, he got the deserved DWLS citation.

DWLS and DWLI are not the same. They don't suspend your license when it expires. expired license = DWLI.

Lots of times people have moms insurance card and think that they are automatically covered. Not the case.

As GE pointed out, depends on the policy, but most of the time, the driver is covered. There are exceptions, like when they are specifically excluded from a policy (and it states this on the card). I just got a FMFR ticket dismissed a month ago in Irving. I was driving a vehicle that belongs to my Father. Handed over his insurance card and my license. Tiny dick motor jock wrote me up for speeding and FMFR, even though the vehicle was covered. Being that I wasn't in my car, I didn't have my personal insurance card, so the inadequate motor jock wrote me up. My lawyer handled it in exchange for a cigar.

[kingjason]

Sheer volume and crappy follow-through when you file a claim. It's like scavenger debt collectors, the payout is higher than the investment, as long as the odds are in their favor.

Yeah it is usually some fly by night insurance company. Never anyone I have heard of.

[Big A]

Not gonna lie I have seen a lot of people that had no drivers license at all with insurance. How the hell you going to insure someone that has no DL?

Sheer volume and crappy follow-through when you file a claim. It's like scavenger debt collectors, the payout is higher than the investment, as long as the odds are in their favor.

[kingjason]

My understanding is that you can have excluded drivers on a policy to keep the cost down. In other words, they will ask you (or find out) who lives in the household, and if one of them is a higher risk (young, bad record, etc), they will charge you a higher rate. To avoid this, you can exclude them as drivers, and enjoy a lower rate, but you're screwed if they get caught driving that car.

However, if I let a friend (who is not spefically excluded on my policy) take my car up to the store to grab some Doritos, and he gets in a fender bender, I'm pretty sure it's covered by my insurance. If a cop writes him a ticket for no insurance, I'm sure it would get dismissed.

EDIT: GE beat me to it in his first paragraph.

Like I stated above I am sure it depends on the policy. My general rule is that if they have a good DL they are probably fine. If they have a bad or no DL they are more then likely going to get the ticket if they are not listed on the policy. I usually err on the side of the driver 90 percent of the time. I make no extra money for writing more tickets or being a dick.

[Sean88gt]

Texas Sure?? I remember seeing that somewheres

I got something in the mail from them because my truck isn't registered in Texas but is insured here. I round filed it. I really don't like how connected the systems are here, California would be envious.

[kingjason]

Well, it depends. I'd say 99% of the policies out there, allow for a non-listed driver on the policy to be driving the car. It's just an underwriting issue for non-earned premium if/when they find out. I'd get that ticket dismissed all day every day.

This is what I tell them pretty much but not sure about the 99 percent part. However a lot of times I stop a car and they have moms insurance card, they are not a listed driver, and have a bad license. I would venture to say that insurance company would not pay up in the event of a wreck. Why have an area on the insurance card for listed drivers then?

Not gonna lie I have seen a lot of people that had no drivers license at all with insurance. How the hell you going to insure someone that has no DL?