| ticket for no insurance but have full coverage on vehicle
What is the name of your state?What is the name of your state?Texas
Ok so tonight i was pulled over for whatever reason, the officer gave me a ticket for failure to provide financial responsibility, This is after showing her the copy of insurance on the vehicle. I was driving my wifes 2003 chevy truck whuch has full coverage. On the insurance card it shows my wifes name , her fathers name and his wifes because they insure several vehicles through one company for better rates. The officer said because my name wasn't on it that was why she was giving me a ticket for no insurance. Now I've been pulled over b4 in this truck with the same insurance and never had any problems. So question is was the ticket deserved or was i written up for no reason. This was the only ticket i was given and the officer would not tell me why i was pulled over.
I found this on [url]http://www.tdi.state.tx.us/consumer/consum86.html[/url]
Auto Insurance Coverages
The Texas Personal Automobile Policy offers eight types of coverage. Texas law requires you to have basic liability coverage. The other coverages are optional, but if you still owe money on your car, your lender will require you to have collision and comprehensive coverage. The following describes the eight types of coverage available in the Texas Personal Automobile Policy. Auto insurers may offer alternative policies if approved in advance by TDI.
1. Liability Coverage
Pays: Other people´s expenses for accidents caused by drivers covered under your policy, up to your policy´s dollar limits. These may include the other person´s
o medical and funeral costs, lost wages, and compensation for pain and suffering
o car repair or replacement costs
o auto rental while their car is being repaired
o punitive damages awarded by a court.
Liability insurance also pays attorney fees if you are sued and bail up to $250 if you are arrested.
Covers: You, your family members, and other people driving your car with your permission, even if they don´t have their own liability insurance and are not named on your policy. You and your family members also are covered when driving someone else´s automobile - including a rental car - but not a car that you don´t own but have regular access to, such as a company car.
Who qualifies as a family member?
Your auto policy covers your spouse, blood relatives, in-laws, adopted children, wards, and foster children living in your home, even if not named on the policy. Family members attending school away from home and a spouse living elsewhere during a marital separation also are covered. | 
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