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You mention that you received your new insurance card effective "that same day." When you say that "same day" do you mean on the day you received the ticket?
Does your insurance card show the time that the new policy went into effect (for instance 4:00 p.m. on 6/14/2016 etc) or does is it just show the date the new policy went into effect?
This is a very important question as it may determine what the outcome of your ticket may be.
Ok, thanks for that.
First, the good news. In no insurance tickets, prosecutors will generally look at the ticket that was issued and the insurance card that you bring to Court. If the date on the ticket is the same date as what is on the insurance card, the Court will dismiss the ticket. This is because they have hundreds of tickets every week where someone is ticketed for no insurance simply because they did not have the insurance card with them. Once the person brings the card to Court and the dates on the ticket and insurance card matches up, they will dismiss the case.
However, what I mentioned usually applies to when the date of the ticket is somewhere in between the effective dates on the insurance card. If the date of the ticket is the same date as the effective date of the insurance car, prosecutors may consider this as a red-flag. Some prosecutors will ask the Court for time to contact the insurance company to determine the timing of the effective date (i.e., to determine if the insurance covers before or after the time listed on the ticket).
In my experience, prosecutors rarely take this extra step because they are very busy with other cases. Also, the better a person's driving record is, the less likely they will take this extra step as they realize that this was a momentary lapse and it is not habitual on the part of the defendant.
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