Any number of reasons, 1 the driver was excluded or otherwise not an insured under your policy. or 2 insurance proof was not furnished in a form of writing when requested by the law enforcement officer.Answer"Why would someone get a ticket for no proof of insurance, when she is insured?"
In most states, you are required to provide proof of insurance if stopped by an officer. If you cannot furnish a current insurance card he has the option of issuing a traffic ticket.
Normally you can take a notarized letter from you insurance carrier to the clerk indicating coverage for the driver was in effect and the ticket will be dismissed.
However you state in your post that your wife is excluded. If a person has been excluded from the policy she is in fact driving without insurance.
In the US insurance has nothing to do with speeding. If your state has mandatory insurance, the fact that your car is insured is good enough but the officer may want to see proof of insurance. Here it is the vehicle that is insured, not the driver. In UK you should not let anyone drive your car on the public road without checking they are insured. You can be fined if you let them drive without insurance.
I have been through this last year, if you didn't have proof of insurance on you, but you had it for that time period you got the ticket, then just bring it into court with you and the ticket will be dropped. If you did not have it covered for that time of the ticket, then if its your first time they will give you court supervision and you have to get proof of insurance with SR22 added to it, usually that's a 1-3 year thing, no matter if you have a vehicle or not you have to carry the SR22 insurance or they will suspend your license. Goodluck with that
You have to pay the ticket or fight it just like every body else. SR22 Insurance is the same as Auto Insurance, Except that a court has ordered you to have your insurer file a Form SR22 as proof that you are insured with the state to assure them you are properly insured so that your drivers license was not suspended. The SR22 is usually ordered because of a prior citation, usually for drinking and driving or driving without insurance or for a prior accident without insurance.
You have to show proof of insurance any time an officer asks to see it, even if you don't get a ticket. Many states have made mandatory auto insurance a law. Therefore any time you are stopped for some infraction involving the use of your auto, proof of insurance is included with the showing of your license and registration.
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