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Old 09-19-2012, 01:09 AM
 
1 posts, read 1,392 times
Reputation: 10

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I was driving and was pulled over and didn't have proof of insurance. I'm lapsed, mostly because of financial difficulties. I drive mostly to work. I live paycheck to paycheck and don't make very much money and can't seem to find another job. I also have medical issues and that takes up some of my money as well. This is why I let my insurance lapse. I had been looking lately at Geico for insurance again, which I told the police, and I now have a citation, but they put that I have 10 days to bring proof in. Since the insurance I was looking at won't take into effect yet, because I didn't have money on my debit card, could I get my license suspended? I'll be able to pay for the insurance w/i 10 days, but it won't have been valid for the day I was pulled over. If I don't give them proof I have to go to court. I have a perfect driving record, and have never gone to jail for anything. I have nothing negative on my record. What do you think will happen? I can't afford to have my license suspended, because then I'll have no way to get to work.
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Old 09-19-2012, 05:18 PM
 
Location: Sioux Falls, SD area
3,152 posts, read 4,620,241 times
Reputation: 5317
Quote:
Originally Posted by guitargirl05 View Post
I was driving and was pulled over and didn't have proof of insurance. I'm lapsed, mostly because of financial difficulties. I drive mostly to work. I live paycheck to paycheck and don't make very much money and can't seem to find another job. I also have medical issues and that takes up some of my money as well. This is why I let my insurance lapse. I had been looking lately at Geico for insurance again, which I told the police, and I now have a citation, but they put that I have 10 days to bring proof in. Since the insurance I was looking at won't take into effect yet, because I didn't have money on my debit card, could I get my license suspended? I'll be able to pay for the insurance w/i 10 days, but it won't have been valid for the day I was pulled over. If I don't give them proof I have to go to court. I have a perfect driving record, and have never gone to jail for anything. I have nothing negative on my record. What do you think will happen? I can't afford to have my license suspended, because then I'll have no way to get to work.
I would go get insured right away. With a perfect driving record purchasing simple liability coverage won't be very expensive at all. If you're really scraping by, check into what the premium would be for only 3 months or 6 months initially.

Bring your insurance information with you to the courthouse and be honest. Show them that you've got it now. You may have to go to court, but if you explain everything to the judge and emphasize your perfect record, chances are excellent that he/she will at least throw out the fine.

Just my take on the matter. I've had no personal experience with your situation, but minus any better info, this is what I'd do.

I'm sending a PM to you as to the insurance company that I've been with for 10 years.
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Old 09-20-2012, 01:43 PM
 
370 posts, read 1,159,701 times
Reputation: 188
Since the policy was not in effect at the time of you getting stopped, the 10 day thing doesn't really apply. That is to show that you had insurance at the time you got stopped.

However, if you go out and immediately get insurance and show proof of such to the County Attorney, they may (may being the key word, not shall) show some mercy and drop the citation. But you're gonna need to show that you are trying to do it right.

If you don't, you will get suspended. That is pretty much done automatically.

Your best bet is to buy insurance quickly, and show proof to the CA.



Nebraska Legislature
60-3,167. Financial responsibility; owner; requirements; prohibited acts; violation; penalty; dismissal of citation; when.

(1) It shall be unlawful for any owner of a motor vehicle or trailer which is being operated or towed with In Transit stickers pursuant to section 60-376, which is being operated or towed pursuant to section 60-365 or 60-369, or which is required to be registered in this state and which is operated or towed on a public highway of this state to allow the operation or towing of the motor vehicle or trailer on a public highway of this state without having a current and effective automobile liability policy, evidence of insurance, or proof of financial responsibility. The owner shall be presumed to know of the operation or towing of his or her motor vehicle or trailer on a highway of this state in violation of this section when the motor vehicle or trailer is being operated or towed by a person other than the owner. An owner of a motor vehicle or trailer who operates or tows the motor vehicle or trailer or allows the operation or towing of the motor vehicle or trailer in violation of this section shall be guilty of a Class II misdemeanor and shall be advised by the court that his or her motor vehicle operator's license, motor vehicle certificate of registration, and license plates will be suspended by the department until he or she complies with sections 60-505.02 and 60-528. Upon conviction the owner shall have his or her motor vehicle operator's license, motor vehicle certificate of registration, and license plates suspended by the department until he or she complies with sections 60-505.02 and 60-528. The owner shall also be required to comply with section 60-528 for a continuous period of three years after the violation. This subsection shall not apply to motor vehicles or trailers registered in another state.
(2) An owner who is unable to produce a current and effective automobile liability policy, evidence of insurance, or proof of financial responsibility upon the request of a law enforcement officer shall be allowed ten days after the date of the request to produce proof to the appropriate prosecutor or county attorney that a current and effective automobile liability policy or proof of financial responsibility was in existence for the motor vehicle or trailer at the time of such request. Upon presentation of such proof, the citation shall be dismissed by the prosecutor or county attorney without cost to the owner and no prosecution for the offense cited shall occur.
(3) The department shall, for any person convicted for a violation of this section, reinstate such person's operator's license, motor vehicle certificate of registration, and license plates and rescind any order requiring such person to comply with section 60-528 without cost to such person upon presentation to the director that, at the time such person was cited for a violation of this section, a current and effective automobile liability policy or proof of financial responsibility was in existence for the motor vehicle or trailer at the time the citation was issued.
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Old 11-14-2012, 06:22 PM
 
Location: Neither here nor there
1,810 posts, read 6,358,893 times
Reputation: 549
If you don't mind me asking you, why were you pulled over?
Auto insurance is a necessary evil, and we all pay "uninsured motorists"
coverage.
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Old 11-15-2012, 06:24 AM
 
Location: Western Nebraskansas
2,707 posts, read 5,344,621 times
Reputation: 2406
Quote:
and we all pay "uninsured motorists" coverage.
In order to protect us when we're hit by people who are "lapsed, mostly because of financial difficulties."

You certainly won't go to jail, but you might lose your license. However, even drunks are allowed "work permits" in that they can drive to and from work on a suspended license.
I'm sure you would be also. Also, a suspended license would probably only be suspended for 2 or 3 months.

PS: Don't go with Geico. If you're in this much of a financial bind, your credit is probably in the dumper and Geico ties rates to credit rating. Go with State Farm, who doesn't.
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Old 11-15-2012, 07:32 AM
 
Location: Denver, CO
9,182 posts, read 5,462,776 times
Reputation: 4038
Default Tied to credit

I spent 30 years as a ratemaker and compliance officer in the insurance field. Didn't work with State Farm, but I'm pretty sure they DO tie insurance to credit rating. But virtually nowhere in the U.S. can a person be DENIED insurance solely for poor credit. They can, however, be offered insurance at a higher rates.

In regards to why insurance is required. It's a moral obligation. Whenever you engage in an activity that puts society at risk, as driving does (still about 40k deaths per year), every person who drives has an obligation to mitigate the potential damage that can be done. If an individual is involved in an at fault accident, then the rest of society is paying for that person's negligence, either with "free" care in the emergency room of a hospital, or with increased premiums for Uninsured Motorists coverage.

Incidentally, that same argument is why EVERYONE should pay for at least a minimal amount of health insurance. Failure to have health insurance is one of the primary reasons for skyrocketing insurance premiums for companies and individuals.

And we do require people to pay for other things that are a moral obligation when putting society or the lives of others at risk. In most mountainous states if someone goes skiing or mountain climbing in an area that is either off limits or outside normal rescue operation area, then they are billed for the cost of rescue. And, no, a civilized society isn't going to leave them on the mountain to die!!!

To the OP, best of luck on finding the coverage you need.
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Old 11-15-2012, 09:05 AM
 
Location: Western Nebraskansas
2,707 posts, read 5,344,621 times
Reputation: 2406
Quote:
but I'm pretty sure they DO tie insurance to credit rating.
Not in Nebraska they don't. We've carried State Farm for 12 years, in three states (including Nebraska) with varying qualities of credit ratings over those years..From really bad to really good.
Our rates were tied to driving records ONLY.

With companies like Geico, on the other hand, the poorer your credit rating the higher your premiums.
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Old 11-16-2012, 10:56 AM
 
Location: Denver, CO
9,182 posts, read 5,462,776 times
Reputation: 4038
Quote:
Originally Posted by itsMeFred View Post
Not in Nebraska they don't. We've carried State Farm for 12 years, in three states (including Nebraska) with varying qualities of credit ratings over those years..From really bad to really good.
Our rates were tied to driving records ONLY.

With companies like Geico, on the other hand, the poorer your credit rating the higher your premiums.
Fred, I'm not disputing what has occurred with your individual experience, but below is State Farm's position on using credit scores in the underwriting process. I can tell you from my own professional experience, that credit score is an absolute (not sole) predictor for future auto AND homeowner losses.---

State Farm's Perspective

State Farm Insurance, one of the top writers of personal lines insurance in America, firmly believes they have the right to use credit characteristics in their underwriting models. According to Dick Luedke, a public affairs specialist with this insurer, State Farm matched up credit characteristics from a prior period for over a million of its insureds and then compared this to their loss experience for the following 2 years.
"The results of the study indicates a predictive correlation between credit characteristics and claims experience," he said.
State Farm is in the business of measuring risk. "This improves our ability to measure risk," according to Mr. Luedke. "It thus results in greater fairness for consumers." He also cited other studies, including those performed by the Casualty Actuarial Society and the Virginia Bureau of Insurance, both of which reported similar correlations and results.
When asked about a potential bias against lower-income families, Mr. Luedke said, "We found no correlation between income level and credit rating. How you manage your money is not a function of net worth or income."
State Farm's media fact sheet on this issue states, "Our models are not designed to assess wealth, income or creditworthiness, but focus on the prediction of future insurance losses we believe the use of these models will lessen the extent to which those who represent higher potential risk are subsidized by those who represent lower potential risk."
According to Mr. Luedke, State Farm is careful regarding the way they use this information in underwriting. For example, they do not use it for renewals. In addition, for those applicants with no credit history, the insurer uses regular underwriting practices, since the model would be unable to generate a credit score.
"We also build into our underwriting the flexibility in order to reevaluate based on the updating of a credit report containing errors," he said.
When asked for specific examples or scenarios regarding the models State Farm has developed, Mr. Luedke cited that this was proprietary information, which they have to protect for competitive reasons. Their work in this field began in the mid 1990s and continues to evolve today.
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