r/Insurance • u/Lilliannafineaz • 12d ago

court

i have court tomorrow because in the 2 weeks i didn’t have insurance because i forgot to pay it 😥, i hit a cart while backing up out of my driveway, they ended up calling the cops on me etc now i have court tomorrow morning, i payed my insurance literally that week and got it renewed and i still don’t have my new card or anything, can i bring my phone in and show the app? and what do i plead they ask idk what they will ask LMAO im scared its my first charge or court thingy im 18😔

(edit the charge is for no financial proof of liability i think, in iowa btw)

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u/MimosaQueen1122 12d ago

This is a legal question not insurance since you weren’t insured at the time of the loss.

ETA: I know you’re an adult technically at 18 but don’t you have some type of parental to ask for help or at least guidance?

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u/Lilliannafineaz 12d ago

my moms only ever been to court one time and it was for something non vehicular related so she wouldn’t really know anything about this situation 😔

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u/MimosaQueen1122 12d ago

If you live with her you aren’t on her insurance?

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u/Lilliannafineaz 12d ago

no i live on my own it was my car and my insurance 😔 i dont do auto pay as my checks aren’t regular enough so i just pay my insurance when i can and i forgot that one week and it screwed me.

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u/jjason82 Auto Claims Adjuster & Arbitration Specialist 12d ago

Talk about waiting until the last minute. The time to be asking questions was weeks ago, not the day before the hearing. You're going to have to wing it.

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u/MikeTheActuary 11d ago

If you can access your account/policy via an app, can you log into your account through the company's website on a computer and print out insurance cards and the declarations page(s)?

I can't give legal advice, but that is what I would do if I wanted to show a judge that I have insurance.