Question about getting pulled over by the police

[1bad91]

Look, this officer conducted a rolling 28. Which is a good tool for checking info before you stop a car for a violation. Theres a good chance he may have thought he visually saw an expired sticker and ran the vehicle to confirm. Then he used the info to provide grounds for a stop and inspect the situation. Why would yall even get upset about this. Let me ask you this question? How many of u FTP ppl in this thread have ever been involved in an accident where the person at fault didnt have insurance and your car was a total loss. I HAVE been there and it fucking sucks. I would write no insurance tickets to everyone that couldnt proove they had insurance. This wasnt about a FMFR ticket but a DWLS ticket. He's in the wrong, why defend him. Take care of your business and your business will take care of you. Again the officer was just doing his job. People bitch and say we dont do shit all the time, and when we do our jobs and the situation isnt fitting, we are just money hungry assholes with nothin better to do. Right?

[Big A]

Not sure why he got the insurance ticket though in this case. I mean why call and then write the ticket?

He didn't get a FMFR ticket, he got the deserved DWLS citation.

The fact that your buddy made it to his driveway is irrelevant Jose, if he was seen driving the vehicle on a public road, he was indeed driving with an expired license.

If his license was only a month or so expired, then perhaps the cries for "revenue generation" are valid, and the cop was being a prick, but beyond that he deserved the ticket.

[JC316]

He didn't get a FMFR ticket, he got the deserved DWLS citation.

The fact that your buddy made it to his driveway is irrelevant Jose, if he was seen driving the vehicle on a public road, he was indeed driving with an expired license.

If his license was only a month or so expired, then perhaps the cries for "revenue generation" are valid, and the cop was being a prick, but beyond that he deserved the ticket.

Agreed, if he was driving. However if he was just sitting in the driveway preparing to go somewhere and the cop stopped, then it would be a dick move.

[racrguy]

Even though it is considered good PC we do not stop for this. Just because there can be glitches in the system. You still have to carry the card just for this reason. A lot of departments do stop for this though and the system is pretty damn good.

Him making it to his driveway makes no difference here. We have people drive an extra mile all the time, thinking that we wont tow thier shit for no DL and FMFR, just because they made it to home base. You are way more likely to get your shit towed if you make me drive an extra two miles or so instead of pulling over right away. If you pull over right away and are close to home, more then likely I will let you make it. Two out of every five stops in my town have no DL and no insurance.

If your DL is not valid then it is perfectly acceptable to write a no insurance ticket. Lots of folks out there have no DL and a BS insurance card. Basically you take it up to the court and then they verify your insurance is legit. Lots of times people have moms insurance card and think that they are automatically covered. Not the case. My insurance agent would tell me to get bent if I said hey my mom is going to drive around my car and she has no insurance.

Not sure why he got the insurance ticket though in this case. I mean why call and then write the ticket?

What do you mean "mom's insurance card"? If you mean her Buick is insured in her name, and you're driving it, it's still insured, a FMFR ticket will get thrown out if that's the scenario you're going for.

[Jewmadbro?]

Oh man, forget about it. There are five major asshole police departments in the DFW area. Number five is a three way tie.

1) Cockrell Hill
2) Dalworthington Gardens/Pantego
3) Plano
4) Farmers branch
5) Carrollton, Garland and Mesquite

Hickory Creek.

[Captain Crawfish]

since they are the law they are immune to the law. your friend shouldnt be driving without a license but the cop needs to go find something to do besides harass people for bullshit.

[kingjason]

What do you mean "mom's insurance card"? If you mean her Buick is insured in her name, and you're driving it, it's still insured, a FMFR ticket will get thrown out if that's the scenario you're going for.

Nope.

Depending on the agent and the policy you have to be a listed driver or have your own insurance.

As a matter of fact I was noticing on the insurance screen the other day that they were listing every member of the household that was not an included driver. Thats new but I have seen it a few times. It will have the listed driver and then a seperate list of those not insured to drive it.

You know insurance agents got to get their money. That would be a way of skirting the system for bad drivers. Uhhh I have wrecked seven cars in the last year but I am going to drive this car with my moms insurance.

[kingjason]

He didn't get a FMFR ticket, he got the deserved DWLS citation.

The fact that your buddy made it to his driveway is irrelevant Jose, if he was seen driving the vehicle on a public road, he was indeed driving with an expired license.

If his license was only a month or so expired, then perhaps the cries for "revenue generation" are valid, and the cop was being a prick, but beyond that he deserved the ticket.

My bad I read that wrong. So good PC to stop, made it home, still got one ticket. Ehhh

[GE]

Nope.

Depending on the agent and the policy you have to be a listed driver or have your own insurance.

Well, it depends. I'd say 99% of the policies out there, allow for a non-listed driver on the policy to be driving the car. It's just an underwriting issue for non-earned premium if/when they find out. I'd get that ticket dismissed all day every day.

Now, as far as the "rolling 28" or whatever you want to call it. Yes, that's generally what happens. Cops run license plates and insurance all the time to see what hits come back. It's more of a back door approach to initiating a traffic stop, because what happens is, they run the plate, get a hit, and then wait for the driver to commit an offense and pull them over.

But that doesn't appear that's what happened here. Esp if he was following the 7 step violator contact (lulz). He told the guy that he thought that his insurance was out, NOT that he thought he saw an expired tag. You can't just run someone's insurance info "just because you didn't think they had insurance". If you ask me, if the cop just ran his insurance info and pulled him over for that, and got the No DL after the stop, it's a bad stop. I don't think there was technically PC to initiate the traffic stop in the first place. Problem is, how much time/money are you going to throw at a $10-50 ticket?

[jluv]

Nope.

Depending on the agent and the policy you have to be a listed driver or have your own insurance.

As a matter of fact I was noticing on the insurance screen the other day that they were listing every member of the household that was not an included driver. Thats new but I have seen it a few times. It will have the listed driver and then a seperate list of those not insured to drive it.

You know insurance agents got to get their money. That would be a way of skirting the system for bad drivers. Uhhh I have wrecked seven cars in the last year but I am going to drive this car with my moms insurance.

My understanding is that you can have excluded drivers on a policy to keep the cost down. In other words, they will ask you (or find out) who lives in the household, and if one of them is a higher risk (young, bad record, etc), they will charge you a higher rate. To avoid this, you can exclude them as drivers, and enjoy a lower rate, but you're screwed if they get caught driving that car.

However, if I let a friend (who is not spefically excluded on my policy) take my car up to the store to grab some Doritos, and he gets in a fender bender, I'm pretty sure it's covered by my insurance. If a cop writes him a ticket for no insurance, I'm sure it would get dismissed.

EDIT: GE beat me to it in his first paragraph.

[kingjason]

Well, it depends. I'd say 99% of the policies out there, allow for a non-listed driver on the policy to be driving the car. It's just an underwriting issue for non-earned premium if/when they find out. I'd get that ticket dismissed all day every day.

This is what I tell them pretty much but not sure about the 99 percent part. However a lot of times I stop a car and they have moms insurance card, they are not a listed driver, and have a bad license. I would venture to say that insurance company would not pay up in the event of a wreck. Why have an area on the insurance card for listed drivers then?

Not gonna lie I have seen a lot of people that had no drivers license at all with insurance. How the hell you going to insure someone that has no DL?

[Sean88gt]

Texas Sure?? I remember seeing that somewheres

I got something in the mail from them because my truck isn't registered in Texas but is insured here. I round filed it. I really don't like how connected the systems are here, California would be envious.

[kingjason]

My understanding is that you can have excluded drivers on a policy to keep the cost down. In other words, they will ask you (or find out) who lives in the household, and if one of them is a higher risk (young, bad record, etc), they will charge you a higher rate. To avoid this, you can exclude them as drivers, and enjoy a lower rate, but you're screwed if they get caught driving that car.

However, if I let a friend (who is not spefically excluded on my policy) take my car up to the store to grab some Doritos, and he gets in a fender bender, I'm pretty sure it's covered by my insurance. If a cop writes him a ticket for no insurance, I'm sure it would get dismissed.

EDIT: GE beat me to it in his first paragraph.

Like I stated above I am sure it depends on the policy. My general rule is that if they have a good DL they are probably fine. If they have a bad or no DL they are more then likely going to get the ticket if they are not listed on the policy. I usually err on the side of the driver 90 percent of the time. I make no extra money for writing more tickets or being a dick.

[Big A]

Not gonna lie I have seen a lot of people that had no drivers license at all with insurance. How the hell you going to insure someone that has no DL?

Sheer volume and crappy follow-through when you file a claim. It's like scavenger debt collectors, the payout is higher than the investment, as long as the odds are in their favor.

[kingjason]

Sheer volume and crappy follow-through when you file a claim. It's like scavenger debt collectors, the payout is higher than the investment, as long as the odds are in their favor.

Yeah it is usually some fly by night insurance company. Never anyone I have heard of.