I know this may seem ridiculous but it’s happened. I’ve been on my families car insurance for the 14 years I’ve been driving. Okay so my mother calls me and tells me that I owe $800 bucks for my years insurance, which I did not have back in April just laying around. Well I kind of forgot about it and got pulled over the other day for expired tags. Okay, I forgot to get my car smogged and pay the money for renewal. My bad. But I handed the cop my expired insurance and he was like “do you have your current insurance information” and I was like “officer you’re holding it in your hand”. Well he showed me that it was expired…needless to say that was majorly embarrassing. I told him that it has to be at my mothers house and that I just haven’t picked it up yet. He gave me a fix it for my tags and told me that I needed to go to court to prove I had insurance at the time. So the next day I called my mother and told her I needed my insurance and she told me she didn’t renew it…and I was freaking out! So I instantly get Geico paid my 3 months up front and get my new insurance information. I went to have dinner at her house with my bother and his fiancé last night and she handed me my AAA insurance. I was like WTF?! She said “I wouldn’t just leave you without insurance”. When I reminded her she stated that she didn’t pay, I got new insurance she just laughed and said she was kidding!?! Anyway I know I need to be a responsible adult but my rates through AAA were so much better than anywhere else because they had been members for like 30 years. I could just barely handle paying all that money up front being an independent contractor and only making money when I do work.

Luckily I can go to AAA and get my stickers to pay this ticket off…

Use this thread to post your own stories if they’ve happened to you. I’d like to see if any of you can relate.

 

Well, you could always change the Geico coverage so it covers someone in your family, and hand that insurance coverage off to them, I guess.

 

i could but i know they have everything trhough AAA and i want my own policy not tied to them you know?

 

Well, you got off lightly. The police could have and should have seized your vehicle. Many places they would have. Expired tags, emissions and no insurance, you are courting criminal charges if you actually had been in an accident. And registration penalties can me nasty and numerous.

Handle your own insurance, keep your registration up to date and you won;t have this problem in the future.

 

Your mom has such as loverly sense of humor~

 

That's why I like communicating with people who have any control over my life. Even better is not letting anyone have any control besides yourself. So, there you go, now your even more independant. And the cop was awfully nice to you.

Here's a great insurance story that's happened with almost anyone at fault in an accident:

They pay their insurance to cover themselves or others in the case of an accident. Then, they have the accident. Your rates go up because you were in an accident.

I know, it makes no sense to me either.

 

I bought a 2003 Suzuki Aerio wagon back in 03. The dealership would not release the car until it was insured. I worked my agent and over the phone got coverage. On the way home, I picked up the set of temporary insurance cards.
within a week, I had to take my dad to Ft. Rucker for some errands. at the gate/inspection point, i handed over everything the MP asked for and he told me to take the road to the left and leave the base. I refused, and i got escorted off the base to cops waiting at the other side. i handed the police my paperwork, had to call my insurance agent and he had to verify the car was insured, then....guess what?
I went through the inspection point again. after being told to leave, i showed them the back of the card that stated the temporary cards were good for 30 days. The MP thought the temporary was only good for the issue date.
that's the only headache i have had with insurance. and i hope it was the last.

 

Cops are surprisingly easy going on no insurance as long as you have your previous card with you still. I've forgotten to take my new one with my on a few occasions. Once I got a warning, once a got a ticket that I had no trouble at all getting dismissed the next day with my current one, but the worst one was when I got pulled over driving my friends car without him, with expired insurance. It turns out that the current insurance card was there, I found it in the center console instead of the glove box, but by that time the officer had already walked back to his car, written the speeding ticket, and just put the lack of valid insurance in the warning line.

 

My brother got caught with expired Insurance at one point. He had let it lapse due to monetary issues and didnt get it renewed before he got pulled over.

1 YEAR suspension. Ouch.

 

The cop was really nice…even more so considering I was franticly looking for my registration for about 20 minutes while he wrote me a ticket. I know I could have gotten a HUGE fine and my car impounded. So luckily it wasn’t as bad as it could have been.