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I was charged with no proof of insurance when I was pulled over for driving with bright lights on in my friend's sister's car.
She asked me to drive to McDonald's to pick up a Happy Meal for her son because her husband was late from work and there was no food in the house at all. She told me I had to drive with the lights on bright because they didn't work at all on dim. (Yes, they were low-income.)
I showed him my license, then the registration. He asked whose car it was and I told him it was my friend's sister's car. He asked her name and I told him and it matched the registration info. Then he asked for insurance. I gave him the card and he said it was expired! I was SO mad. She didn't tell me her insurance was lapsed or I'd have WALKED the 6 miles to McD's.
Anyway, he gave me a ticket (luckily he was nice and he didn't impound the car!), and I had to get my aunt to drive me to court (over an hour away because I didn't live in the city where the owner of the car lived) and I spent 3 hours waiting for my case to come up for the judge to tell me to get the hell out of his courtroom because I wasn't responsible for making sure someone ELSE had car insurance. *whew!*
So my case was dismissed. I felt pretty lucky because he probably could have said that I should have checked the insurance before I left, but I was only 18 at the time and I guess he thought I didn't know any better. I certainly make sure there is insurance on a vehicle before I drive it now. I learned my lesson even though I didn't have to pay a fine or anything.
That was the only time I've ever been pulled over. Never had an accident when I was driving. Been lucky so far.
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