I know I'm jumping in on the conversation a little late, but I'll add my 2 cents anyway. It's common to stop someone who has an expired insurance card on them, or cannot find their insurance card at all. Each and every time that happens, I issue a summons for Failure to Provide Evidence of Insurance, which carries a $166 fine. BUT....
If the person really does have insurance and simply cannot find the right card at the time, they can still remedy the situation here in Maine. All they have to do is sent in a photocopy of the insurance card along with the "Not Guilty" plea. The state will then remove the violation from the records. No fine and no court date. So if they really do have insruance, no harm. But if they are lying, then they get screwed.
If you are found guilty, you have to file an SR-22 for 3 years. Basically, that means that their insurance will skyrocket (not uncommon to see it double) and as soon as they stop paying insurance or as soon as it expires, their license gets suspended.
Hope all that makes sense. Makes perfect sense to me, but I'm exhausted after working a long, wet, cold night. I'm going to bed now![]()


Reply With Quote