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Valid question. I'm not sure.Originally Posted by hollohas
On second thought, they can write you a ticket for just about anything with ZERO justification. Then the burden is on you to defend yourself in court.
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"When law and morality contradict each other, the citizen has the cruel alternative of either losing his moral sense or losing his respect for the law." -Frederic Bastiat
"I am a conservative. Quite possibly I am on the losing side; often I think so. Yet, out of a curious perversity I had rather lose with Socrates, let us say, than win with Lenin."
― Russell Kirk, Author of The Conservative Mind
I believe you can. It has something to do with one of the rules of operating a motor vehicle requires carrying(not just maintaining) valid proof of insurance. However, if you show you had valid insurance at the time of the stop, they'll just drop the violation.
It was probably 2 / year x several years.I've been in insurance for 12 years and I've never had an issue with any of our clients. That was probably a company thing. Out of curiosity, how many were you doing?
It didn't help that I claimed a new JK hardtop that had a baseball size "crush" damage spot.
My wife had two speeding tickets, I had the JK claim and I think one other minor accident years before.
At least we got the JK top out of them before they dropped us and they were pissed because they couldn't find one sans windows and had to pay extra. I'm sure that was the final straw, but when I marched into my agent's office complaining, he pulled my file and his first comments were on the windshields.
"Your son (his employee) said they were 'free' to us!!!"
Well they are, but enough dings you! I drive my 199X camry up to the mountains every year and it has been so pitted for a decade and you're claiming a new windshield every year! If I would have known I'd have said something.
"Yeah, well, your son did. That's why we claimed them all…"
I told him to up our rates and "fix it." He said he couldn't, it was all on underwriting in Greeley. Well, then I didn't feel so bad about that office getting shut down and all of them losing their jobs or having to transfer. Sorry I was so petty about it at that point, but, whatever. Edit: In the end it worked out awesome since we saved a bunch of money and got WAY more insurance coverage elsewhere. But now I pay for windshields.
Which company are you with?
Yep, cabbage!
Oh, State Farm was nice enough to "let us keep" our home insurance. Haha, fawk off, the house goes with. I'd had them since residency right out of college too.
And ever since, I've paid cash on windshields.In fairness, I actually never did fix the chips, I'd just let them crack across the entire length and claim a new one.
In fact, I have a huge crack halfway across on my CTD right now. However, it basically only gets driven to bike races, camping, or in winter weather at this point. I'll deal with it come Spring, I suppose.
Last edited by Jeffrey Lebowski; 12-15-2014 at 22:30.
Obviously not a golfer.
That's my point. I carry my smart phone with me in the car at all times so technically I am carrying proof even if the paper copy is expired. Anyone familiar with the statutes? Is a digital insurance card valid proof? Cstone, I'm looking at you...
Dave_L is right in that it doesn't matter because they'll write you a ticket for whatever you want. I remember we had a friend back in the day that had one of the first Mitsubishi Evos in the state and would get pulled over for the FACTORY wing obstructing the view out the back window.
"There are no finger prints under water."
Caveat: I am not a Colorado Peace Officer
With that said, here is what I can provide:
From TITLE 10. INSURANCE
PROPERTY AND CASUALTY INSURANCE
ARTICLE 4.PROPERTY AND CASUALTY INSURANCE
PART 6. AUTOMOBILE INSURANCE POLICY - REGULATIONS
C.R.S. 10-4-604.5 (2014)
10-4-604.5. Issuance or renewal of insurance policies - proof of insurance provided by certificate, card, or other media
The insurance identification card may be provided in either paper or electronic format. Acceptable electronic formats include display of electronic images on a cellular phone or any other type of portable electronic device.
The charge normally listed on the summons is:
C.R.S. 42-4-1409 (2014)
42-4-1409. Compulsory insurance - penalty - legislative intent
(3) (a) When an accident occurs, or when requested to do so following any lawful traffic contact or during any traffic investigation by a peace officer, an owner or operator of a motor vehicle or low-power scooter shall present to the requesting officer immediate evidence of a complying policy or certificate of self-insurance in full force and effect as required by law.
(b) As used in this section, "evidence of a complying policy or certificate of self-insurance in full force and effect" includes the presentation of such a policy or certificate upon a cell phone or other electronic device.
(6) A person charged with violating subsection (1), (2), or (3) of this section shall not be convicted if the person produces in court a bona fide complying policy or certificate of self-insurance that was in full force and effect as required by law at the time of the alleged violation. The court clerk's office may dismiss the charge if it verifies that the person had a valid policy in effect at the time of the alleged violation using the uninsured motorist identification database created in section 42-7-602.
Last edited by cstone; 12-15-2014 at 22:56.
Didn't they in the last couple years link the insurance companies and the DMV computers together so the police can see if you have it or not on their computers ? I thought that happened ....
I once handled a Chevy S-10 single cab vs telephone pole claim. The driver was 13 with 14 and 15 year-old passengers.
"There are no finger prints under water."
Yes. When I bought my last car it was already in there system a week after I added the car. I had forgot the card when I went to the DMV.
I see you running, tell me what your running from
Nobody's coming, what ya do that was so wrong.
Why is that? I've used our ins for this baybe 4 times in 6 or 7 years and haven't had them raise rates or anything. And it's part of my coverage that I pay for, so why not?
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