No Proof of Insurance

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What do I do if I receive a ticket for No Proof of Insurance?

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If you received a citation for failing to provide proof of insurance, you are required to appear at the Boulder Municipal Court.

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What if I had insurance at the time of the violation?

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If you had insurance in effect, but simply did not have proof of insurance with you at the time that you were cited by the officer, you may bring valid documentation of insurance to the court on or before your court date and a staff member may be able to dismiss the charge at that time.

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What type of documentation of insurance do I need to bring?

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"Valid" documentation of insurance includes either the original certificate of insurance as required by C.R.S. Sections 10-4-705 and 10-4-716 (link) or a signed letter from your insurance agent on company letterhead indicating that your vehicle was insured on the date of the alleged violation. 

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Will my documentation be checked for authenticity?

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The Court or the prosecutor's office may call your insurance agent or insurance company to confirm that the insurance was in effect at the time that the citation was issued.

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What happens if I provide proof of valid insurance?

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Technically, you are still in violation of the law, as you are required to keep proof of existing insurance coverage in your vehicle at all times.  However, court policy is to dismiss the charge once proof has been provided. 

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What if I had another charge, too?

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In most cases, if you had another charge you will be eligible to plead guilty to a less serious charge and pay a fine without appearing in court.  However, if you wish to contest the second charge, you will need to come to court on the date on your ticket.  In addition, certain charges have mandatory court appearances, and if your second charge is one of those you will need to come to court on the date on your ticket. 

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What if I did not have insurance in effect when I received the summons?

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You must appear on your court date.  Before coming to court, you should purchase insurance for your vehicle and bring proof of that insurance with you.  The penalty imposed by the court is reduced when the offender provides proof that s/he now carries valid insurance.

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What is the maximum penalty that could be imposed for No Proof of Insurance?

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The maximum penalty is a $1000 fine and 90 days in jail.

Last Updated on Friday, 01 May 2009 08:24