7-501.02 - Insurance – No Proof of Insurance

1. An officer may issue a traffic citation to the driver/owner of a motor vehicle when the driver/owner states they do not have proof of insurance in their possession.

Pertinent statutes:

169.791s2 - to driver whether or not the owner

169.791s3 - to driver who is not the owner

The officer should advise a driver/owner who is issued a traffic citation for no proof of insurance in their possession, that the driver/owner has ten days to deliver proof of insurance information to the Traffic Violations Bureau. The officer should advise the driver/owner that failure to comply within ten days will result in a misdemeanor moving violation being entered on their driving record, the revocation of their driver's license, and the revocation of the motor vehicle registration.

2. When issuing a citation to a driver/owner who admits to not having insurance, the citation should be titled "No Insurance Coverage." Pertinent statute: 169.797.
3. Officers shall not issue a traffic citation for no proof of insurance in a felony motor vehicle collision. Officers shall use the Proof of Insurance form in all felony motor vehicle collisions. (10/27/05)

When a driver/owner of a motor vehicle is unable to provide proof of insurance, and the officer does not issue a citation, the officer may follow these procedures:

1. The officer may complete the Vehicle Insurance Information form (MP-3408), ensuring that the officer's precinct/division is recorded on the spaces provided.
2. The officer shall give the pink copy of the Vehicle Insurance Information form to the owner/driver and direct the person to sign the form in the space provided, complete and mail the form, with proof of insurance, to the address provided on the form within ten days.

The officer should advise the driver/owner that failure to comply within ten days will result in a misdemeanor moving violation being entered on their driving record, the revocation of their driver's license, and the revocation of the motor vehicle registration.

The white and yellow copies of the Vehicle Insurance Information form shall be filed at the officer's precinct or division office. The officer shall complete an arrest report for the incident, attaching it to these copies. (04/01/93)

3. If the driver/owner does not respond within ten days of the issuance of the No Proof of Insurance form, the officer designated by the commander will complete the form and forward the white copy to the Minnesota Department of Safety. An officer may issue either a No Proof of Insurance form or a uniform citation—not both. (10/21/97)
4. If a CAPRS report was completed, that same CCN shall be used on the tag issued for No Proof of Insurance. If no report was made at the time that the Vehicle Insurance Information Form was issued, a CAPRS report and a new CCN are needed. (07/30/90)
5. The date the Offense/Incident Report is completed should be the arrest date. The arrest location is the location of the original offense. (07/30/90)

Vehicle Insurance Information Forms (MP-3408) are available in the MPD Stores Unit.