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« Key Pieces of Car Insurance Quotations   The History Behind Car Insurance & The Protection It Provides »

by Christos Chalfont

There have been theories about loopholes in the law for years. People hear things about if this isnt checked or if the police forget to do this then they cant arrest you and most of the time, these things just arent true.

Probably the most common way out people think that they have is when a police officer makes a mistake on a traffic offence ticket, e.g. speeding, red traffic light offences etc. and most of the time, you simply wont have an argument.

The ticket that police officer issues you is not part of any official evidence, it is merely a summary of the incident and if you contest the validity of it if, for example, the officer had put the wrong date of offence or the wrong vehicle registration number, he will have to draft an official statement which they will be unlikely to make a mistake on and a court summons will have to be sent to you.

However, if you dont believe that you have committed the supposed offence and the officer has made a mistake on the ticket, you may be able to use it as evidence that the officer paid insufficient attention to the incident and has a sloppy approach.

However if you did actually commit the offence and a police officer catches you, you dont really have a leg to stand on.

Human rights violations are something else that people try to cling to when accused of traffic offences. The usual argument is that because they are the registered keeper of the vehicle that they are not obliged to tell the police who was driving at the time in question because of their human rights.

This is simply not true, there has been an amendment to international human rights in this regard meaning that this information has to be provided at the request of the police or you will be liable for a hefty fine and six points on your licence as they claim that the compromise in human rights is proportionate to the need for road safety.

Another very common mistake that drivers make is that when they buy a new car, they are covered from the insurance on their old vehicle to drive any car owned by someone else with their permission, and as they havent made themselves the registered keeper of the vehicle yet, therefore it still officially belongs to someone else, therefore they are insured.

This is also a false belief. If you have paid money for the car then as far as the law and insurance goes, that car is yours and if you havent switched the insurance over, then you are driving without insurance, which is of course illegal.

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