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Expired insurance card

Posted on 4/17/24 at 9:38 pm
Posted by JackieSonnier
South Crowley
Member since Nov 2023
83 posts
Posted on 4/17/24 at 9:38 pm
Did you know if you are pulled over for a routine traffic stop and you have an expired insurance card they will tow your vehicle? We all know that your license plate is ran before officer do-better gets out his car. They can clearly tell if you have insurance by running the plate. I asked the cop why he couldn’t just go off his laptop info and he said the department doesn’t like him to go off of that. We are anything but free in this country…… police freaking suck. I would never tow someone’s car if I was a police officer when I knew they had insurance.
Posted by Pelican fan99
Lafayette, Louisiana
Member since Jun 2013
34685 posts
Posted on 4/17/24 at 9:40 pm to
Why are you mad at the police when this clearly is your fault?

Take some accountability for your actions for once
This post was edited on 4/17/24 at 9:40 pm
Posted by shutterspeed
MS Gulf Coast
Member since May 2007
63237 posts
Posted on 4/17/24 at 9:41 pm to
What time does the impound yard open tomorrow?
Posted by Daveeed
South of the Intimidator
Member since Jun 2013
60 posts
Posted on 4/17/24 at 9:41 pm to
You can show them your current insurance coverage on your phone.
Posted by Pelican fan99
Lafayette, Louisiana
Member since Jun 2013
34685 posts
Posted on 4/17/24 at 9:42 pm to
quote:

You can show them your current insurance coverage on your phone.
exactly. This baw needs to get it together
Posted by kciDAtaE
Member since Apr 2017
15716 posts
Posted on 4/17/24 at 9:42 pm to
Aren’t all insurance cards on phones these days? If the card is expired, probably means your insurance is expired. And car shouldn’t be on the road.
Posted by JackieSonnier
South Crowley
Member since Nov 2023
83 posts
Posted on 4/17/24 at 9:44 pm to
I’m mad at the police cause it’s a money making racket.
Posted by fallguy_1978
Best States #50
Member since Feb 2018
48462 posts
Posted on 4/17/24 at 9:44 pm to
I don't even have an insurance card in my vehicle.
Posted by TJack
BR
Member since Dec 2018
1292 posts
Posted on 4/17/24 at 9:45 pm to
Do you have insurance?
Posted by auggie
Opelika, Alabama
Member since Aug 2013
27881 posts
Posted on 4/17/24 at 9:47 pm to
Depends on where you live I suppose.
I got pulled over the other night in my wife's car, because it had a headlight out on dim. I hadn't even noticed that.
Also found out that she keeps the insurance card in her purse
Cop ran the tag and found out that the insurance was fine.
He told me to replace the light and I went on my way.
Posted by lsufan1971
Zachary
Member since Nov 2003
18145 posts
Posted on 4/17/24 at 9:51 pm to
quote:

his laptop info and he said the department doesn’t like him to go off of that.


That’s fricking stupid. The DMV gets updates every month from insurance companies on cancellations. If he had an MDT he could get the return just by running your plate. I could have card that shows valid but not paid my policy for months.

BTW your insurance company probably has an app that has an electronic proof of your policy.
This post was edited on 4/17/24 at 9:55 pm
Posted by danilo
Member since Nov 2008
20087 posts
Posted on 4/17/24 at 9:57 pm to
Three words: Law and Order.
Do better. Lesson learned.
This post was edited on 4/17/24 at 9:58 pm
Posted by JackieSonnier
South Crowley
Member since Nov 2023
83 posts
Posted on 4/17/24 at 9:58 pm to
Thanks for the info. Will look into that.
Posted by SammyTiger
Baton Rouge, LA
Member since Feb 2009
66422 posts
Posted on 4/17/24 at 9:59 pm to
Did you ask if you could download your insurance app?

towing your car is a bit much for an expired insurance card.

Posted by Obtuse1
Westside Bodymore Yo
Member since Sep 2016
25583 posts
Posted on 4/17/24 at 10:03 pm to
quote:

Aren’t all insurance cards on phones these days?


No.

While I have the ability to show proof of insurance on my phone I print physical cards and keep those and registration in an envelope that stays in the owner's manual folio in every car glovebox. I am not handing my unlocked phone to an officer if at all possible.
Posted by Spankum
Miss-sippi
Member since Jan 2007
55990 posts
Posted on 4/17/24 at 10:07 pm to
quote:

They can clearly tell if you have insurance by running the plate. I asked the cop why he couldn’t just go off his laptop info and he said the department doesn’t like him to go off of that.


I would have them on the news that evening.
Posted by boosiebadazz
Member since Feb 2008
80196 posts
Posted on 4/17/24 at 10:15 pm to
I see the inverse of this happen fairly regularly. Buy a policy valid for six months. Get a card showing that. Pay in monthly installments and stop paying after the first month.

You’ve got a card showing coverage but it’s actually cancelled because you didn’t pay the premium.

I’d love to see law enforcement go to a more real-time model of being able to access a database.
This post was edited on 4/17/24 at 10:18 pm
Posted by Bubb
Member since Mar 2010
3890 posts
Posted on 4/17/24 at 10:18 pm to
Last time I got pulled over, he didn't even want my insurance card because he said he could already see it. You should also be able to pull it up on your phone and show them.
Posted by boosiebadazz
Member since Feb 2008
80196 posts
Posted on 4/17/24 at 10:19 pm to
quote:

I am not handing my unlocked phone to an officer if at all possible.


I’m with Safeco and I can put my card into my wallet on the iPhone. No need to unlock. Has a QR code for the officer if he needs more info.
Posted by TackySweater
Member since Dec 2020
11787 posts
Posted on 4/17/24 at 10:20 pm to
Expired card and you have current insurance?

Or expired card and your insurance has expired?

These are two very different things
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