Cop pulled me over

[gottabekd]

Hey man, I know your pain.

The dealership really should have set you straight. But next time, you'll know to talk to your insurance agent first.

Which sounds nice, but when I bought a new car, they could barely figure it out. I have my insurance through AMA, and so did the registration there. The two people I dealt with (at the registration desk and insurance desk) seemed very confused about the notion of switching insurance and registration to a new vehicle. It was like this was the first time they've heard of it. So, it helps to double check, especially if you are paranoid like I am.

[Shazam]

Originally Posted by Canada 02

i live in the USA, so insurance may be different down here. Bought a new car recently, trading in my old car. The insurance from the old car automatically became the policy for the new car. The dealer and my insurance agent said this was standard

bought the car on a friday; the dealer said my old insurance was fine. Sceptical, I still drove it off the lot, and that weekend; called my insurance agent on the monday and he concurred; I was legally driving with insurance for that weekend since it automatically switches, according to my policy

Really? Wow, that's so open to fraud, I gotta do it.

I think you're misinterpreting what happened though. The dealership did all the legwork for you in regards to the insurance, so your insurance is well aware of the fact that you have a different car, the make, year, VIN, etc.

[redforever]

You are incredibly lucky. Here is what happened to my husband, about 8 years ago.

He was driving on Anderson Road SW and got pulled over by a lady police officer.

She asked him, do you know why I have pulled you over? My husband replied that he had no clue.

So she told him that he was driving a vehicle that was not registered. My husband was astounded because for an eternity, everyone in our family renews in November, when the mailings and notices come out for us.

She told my husband that as astounded as he was, his vehicle was not registered. All she did was drive him to the nearest registry, about 10 blocks away.

She gave him a ticket for driving an unregistered vehicle. Then my husband had to pay for having his car towed to the impound lot and he had to pay to get the vehicle out of that impound lot too. In total, he was out almost $1000.00. He was lucky that his insurance was completely up to date or the bill would have been significantly higher.

When my husband got to the registry, he asked them to look into what could possibly have happened. The guy did and it had been reported that the notice to register his vehicle had been returned to Edmonton. They don't know why, they presumed it went to the wrong mailing address and got returned. I guess my husband presumed that since everyone else in the family had gotten notifications to register their vehicle, his had been taken care of us well. I quite often just would do both our vehicles.

Anyhow, making a long story short, the ONUS is on the OWNER of the vehicle to make sure it is insured and registered.

[Super Nintendo Chalmers]

Pay the fine. I don't know how it's like in Alberta, but in BC, the JP or the judge has the option of raising your fine to the $3000, especially if the police went easy on you and you still decide to fight it.

[zamler]

Originally Posted by Canada 02

Do I fight or Do I surrender??? Help me CP!

No offense, but take responsibility for yourself, don't rely on others to tell what you need to do or not do. When you buy a car, you need to get plates and insurance. If you already have plates that are not expired, you can stick those on the car and drive it home. But you MUST have insurance, the cop gave you smallest fine she could, you are lucky.

Pay the fine and consider yourself fortunate.

[DropIt]

From someone with experience in this particular experience. Do yourself a favour and pay the ticket and consider this a lucky day.

To put it into any sort of perspective, your $175 ticket is pretty nice compared to the 15 month/$200 payment plan they provide to you if you dont have 3K

[zamler]

A $175 fine is getting off very very easy. And I don't understand the mentality, if you are buying a car and plan on driving it, get the damn insurance and your plates squared away before you pick it up. You have to do it anyway, call your insurance and get it done. With my insurance company all I have to do is call them, add a vehicle, and then I can download a .pdf within 24 hours and print it off. Simple. A week later the proper pink card shows up in the mail.

[FlamesKickAss]

Originally Posted by gottabekd

Which sounds nice, but when I bought a new car, they could barely figure it out. I have my insurance through AMA, and so did the registration there. The two people I dealt with (at the registration desk and insurance desk) seemed very confused about the notion of switching insurance and registration to a new vehicle. It was like this was the first time they've heard of it. So, it helps to double check, especially if you are paranoid like I am.

Just don't paint all AMA insurance agents with the same brush......

[T@T]

Most insurance companies give you 24 hours to change vehicle ID's, phone your broker and ask if this is the case with yours. If the answers yes then get it in writing and take the $172.00 ticket to court.

I got the exact same ticket 5 years ago and it was "quashed" before it even made it before the judge.

[zamler]

Originally Posted by T@T

Most insurance companies give you 24 hours to change vehicle ID's, phone your broker and ask if this is the case with yours. If the answers yes then get it in writing and take the $172.00 ticket to court.

The ticket is failure to produce insurance, how will calling the insurance company help? Even if you have insurance, you still have to carry proof in the car.

[FlamesKickAss]

if he had his insurance for the old car in the new car that is the proof!

[zamler]

Originally Posted by FlamesKickAss

if he had his insurance for the old car in the new car that is the proof!

Interesting. Good news if true!

[GGG]

Check before you fight. I believe the police officer has up to 6 months to amend the charges. So if your showed up to fight and weren't right I would suspect you would be fighting against a $3000 fine instead of just a $172.

Unless you are 100$ sure it isn't worth fighting as you as the most you can win is $172 and the can lose 3000. You have to be confident you'd win the case 19 out 20 times to make this a good bet.

[ernie]

So the cop did her job and you learned a lesson. That's pretty much what I take from the story.

[FlamesKickAss]

Originally Posted by zamler

Interesting. Good news if true!

http://www.finance.alberta.ca/public...olicy_2007.pdf

(b) A Newly Acquired Automobile – an automobile, ownership
of which is acquired by the insured and, within fourteen days
following the date of its delivery to him, notified to the Insurer
in respect of which the insured has no other valid insurance, if
either it replaces an automobile described in the application or
the Insurer insures (in respect of the section or subsection of the
Insuring Agreements under which claim is made) all automobiles
owned the Insured at such delivery date and in respect of which
the Insured pays any additional premium required; provided
however, that insurance hereunder shall not apply if the Insured is

engaged in the business of selling automobiles;

[zamler]

Originally Posted by FlamesKickAss

http://www.finance.alberta.ca/public...olicy_2007.pdf

I read that 5 times, still not sure exactly what it means. I think it means that as long as you don't sell autos as a business, and you notify your insurance within 14 days, your current valid insurance will apply to your newly purchased vehicle.

So the cop should have accepted the insurance provided. Is that correct? If true, I did not know about this. Maybe I deciphered that wrong.

[Displaced Flames fan]

Originally Posted by CaptainCrunch

Wait, I misread she didn't tow your car and fine you the 3k?

Dude if she's right and I'm right she went incredibly light on you. Pay the fine, wipe the sweat off of your face, and punch your friend in the face for misleading you.

and if you're friend is your insurance agent fire him immediately. Why would you ask a friend about this scenario rather than your insurance agent??

[Pinner]

Originally Posted by zamler

I read that 5 times, still not sure exactly what it means.

Yep yep, plain english is a lost art


Here's a question, why would this cop give you a ticket if it was perfectly legal ?

[MoneyGuy]

Don't complain; you got off really easy. For the lady cop to go so easy on you, she must have thought you were hot. Pay the small fine, but first check to see if she wrote her phone number on the back of the ticket.

[PIMking]

Here in the states you trade off your old car and they swap plates and then they copy your insurance card and your set.

You will have to wait a couple of days for the new card to show up in the mail.

Edit: how in the world do you not know how to drive a 5 speed?