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The Value of Insurance

Thur., Sept. 23, 2010

If you have ever been pulled over, while driving, you have heard these words uttered by the officer in one way or another. Well, as of September 20th, these words take on a whole new meaning in Lufkin. It is now city ordinance that if you are pulled over without insurance your car may be towed. Yes, the officer has to try and verify the existence of such insurance if stated that the driver does have it, but still has the right to tow the vehicle unless extenuating circumstances exist. Proof of insurance means one of the following forms is available on the person or in the car at the time of the instance. These forms are; a copy of a motor vehicle liability insurance policy covering the vehicle, an insurance card issued by a liability insurer for the motor vehicle (known as “standard proof of motor vehicle liability insurance form”), an insurance binder form covering the vehicle, an insurance surety bond certificate covering the vehicle, a certificate of a deposit with the comptroller covering the vehicle, a certificate of a deposit with the appropriate county judge covering the vehicle, or a copy of a certificate of self-insurance covering the vehicle. There are extenuating circumstances that must be considered, however, if the officer can provide no safe way of leaving the driver carless, the officer will issue a citation that can cost the driver nearly $1000. However, just the citation alone is enough to tell me that insurance is a must. So if you are driving without insurance on your vehicle, consider the cost of insurance versus the cost of losing your car or paying $1000 to the court.