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Good morning. I certainly understand your concern. It would be at the discretion of the prosecutor handling the case, to decide if they want to dismiss the case. There would need to be mitigating circumstances, to support the dismissal. In a situation like yours, the car was insured at the time of the stop but the card was not in the vehicle, to show the officer. I am sure this was an accident but if you can present the card and show the policy was effective at the time, it could be a basis for them to dismiss it. If not, then it would be a mitigating factor, for which they may be willing to impose the minimum fines and court costs.

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