Does this sound right?

[BBReezen]

Our secretary at work, bless her heart, she can't catch a break. Her 19 yo daughter finally was able to purchase her a new to her car this past Friday. Gently used car, can't remember exactly what kind. Well she bought it in Mineola, drove back to Tyler and she was rear ended by a guy while she was sitting at a red light. He was supposedly texting. They totaled her car, the other driver provided insurance and all was good. She found out today that the guy had provided an insurance card of insurance that he did not even pay the first months payment on so it was delinquent/cancelled. She talked to the police today and asked if there was anything they could do, she was told no because he provided "proof of insurance" at the scene.

Is this seriously legit, so someone can drive around with cancelled insurance and basically get off free because they can provide an insurance card at the scene even though it is not valid?

[Burnadell]

I am assuming her insurance will cover the damage?

[dustoffer]

Friend of mine owned an agency here in Seguin told me tht 65% of the drivers in town were uninsured.

[BBReezen]

I am assuming her insurance will cover the damage?

Supposedly she has to pay $250 for uninsured motorist and her insurance is going to give her enough for payoff on the car. I have no idea how much she put down on the car. But she had the car 4-5 hours max and now sounds like she's going to be out any down payment she made

[Burnadell]

She should file suit on the **** in small claims court.

[BBReezen]

Friend of mine owned an agency here in Seguin told me tht 65% of the drivers in town were uninsured.

I don't doubt that one bit.

She should file suit on the **** in small claims court.

That is something I may have to recommend to her. She has a copy of his drivers license, I told her we could go pay him a visit

[Cbb1722]

I feel like if officers were at the scene of the accident and the guy provided an expired insurance card, the officer he showed it to should have seen it and the police department should be held responsible along with the guy with expired insurance

[Chad74]

Isn't there a law about giving police fake information?

[LFD2037]

This exact thing happened to one of my friends. Fake insurance card & his insurance had to pay off his 2 week old $45K truck that rolled 3 times. Come to find out the guy didn't speak English, used someone else's ID & gave an insurance card that was 100% fake. Cops said the same thing "he provided proof of insurance". There's got to be a better process for this.

[glen]

We use a different system where insurance is verified through the vehicles registration. Nothing is flawless though. They could be issued a citation but that would be about it.

[Mesquite Archer]

The card probably was not showing to be expired. They get insurance started and then let it drop but they still have a card that looks legit for the next 6 months even though the policy is cancelled. Then they do it again with a different insurance company. I thought most police could verify insurance from their computer but some may not.

[BBReezen]

I feel like if officers were at the scene of the accident and the guy provided an expired insurance card, the officer he showed it to should have seen it and the police department should be held responsible along with the guy with expired insurance

It wasn't expired, it was cancelledbecaus when ever even made his first payment. His insurance card showed that it was valid.

Isn't there a law about giving police fake information?

That's what I'm trying to find out, she basically got the cold shoulder. I would assume that there would something that could be done as a penalty for the guy. I mean he basically does not have insurance, isn't it illegal to drive with no insurance whether you have a peice of paper or not.

[JANSLEY817]

Same thing happened to my wife.

[Sleepy]

I feel like if officers were at the scene of the accident and the guy provided an expired insurance card, the officer he showed it to should have seen it and the police department should be held responsible along with the guy with expired insurance

Doesn't sound like it was expired. Sounds like he got good insurance cards, but he didn't make payment and agency shut him off. No different than having health insurance and not paying it. Still have a card, but it no worky.

[DJM]

There's more and more of this happening.I'm thinking the only thing to prevent or help this situation is verify the insurance while still at the scene,even then they're just going to get a ticket.

DJ