no proof of insurance but do have insurance under parents policy for other vehicles

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 31, 2012

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Insurance Question from Berwyn, IL

Asked on 01/31/2012

no proof of insurance but do have insurance under parents policy for other vehicles have a ticket for no Proof of insurance my parents have state farm but my dad can drive the car he just bought but doesn't have any liability... i was given permission to drive and got pulled over for driving 10mph over the speed limit and with no insurance card got a ticket for that to.. my question is if i present my parents insurance policy that i'm under with a written or present statement i was given permission to drive will it be dropped?

Answer given on February 01, 2012

If you are stopped in someone else’s car, they should have proof of insurance in the car. If they don’t, you will receive a ticket for failure to provide proof of insurance. Your father needs to get the car insured and he will get an insurance ID card. You should be able to take that to court to get the ticket dismissed. However, your dad needs to make sure the insurance ID card he gets from his agent shows the car was insured on the day of the ticket. If the agent can’t issue an ID card that way, see if they will write a letter on company stationery confirming that the car was automatically covered as of the date of purchase. Most insurance companies give you from 5-20 days to report an additional car. However, State Farm will not usually backdate a policy but will use the date your dad calls in with the information on the new car.

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