If I am insured on a car and drive another car that is not insured, do I still get a ticket?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 25, 2014

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Insurance Question from Houston, TX

Asked on 07/25/2014

If I am insured on a car and drive another car that is not insured, do I still get a ticket? I recently got a ticket for no insurance on a friends borrowed car but later found out my mom has me insured for her car. (Moms car) Can I fight it in court or am I guilty regardless?

Answer given on July 26, 2014

If you received a ticket for being uninsured, you may be able to fight the ticket if you have not already paid the ticket. If you can prove you had insurance through your mother’s policy, and that her policy would cover you in another car other than hers, you are legally able to prove insurance while driving, even though the car you were in was uninsured.Contact the court for a date to bring in proof of insurance for you. The proof of insurance can be an insurance card, or, in some cases, a copy of the insurance policy showing you listed as a driver. Your name must be shown on the evidence you are providing, not just your mother’s name.Presuming you were stopped for another reason than to see if there was insurance on the car you were driving, you will still be responsible for the ticket that you received for being stopped. You can only get the portion of no insurance removed from your record.In the future, make sure that any car you are borrowing has insurance on it because if you are in an accident, and the car is not insured, then your mother’s policy will be responsible for any damages or injuries that you may cause in an accident.


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