Q: I received a ticket for no proof of insurance cause I didn't have it in the car at the time.
I obtained a copy of my insurance and sent it to the court which they are saying that my collateral insurance isn't acceptable as it pertains to having car insurance. So is my insurance not valid?
A: Collateral insurance usually insures the interests of a lender in a vehicle pledged as collateral to secure repayment of a loan. If the vehicle itself is damaged, the insurance protects the lender up to the amount of the loan. It is a valid type of insurance, but it is not the same thing as liability insurance which protects third parties from damages caused by a driver’s negligence in operating a vehicle. A driver is required by law to carry liability insurance. You can get a traffic ticket for operating a vehicle without liability insurance, but not for failing to have collateral insurance on a vehicle.
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