No Proof of Insurance in Vehicle
A CVC 16028(a) citation means you were unable to provide proof of financial responsibility, typically an insurance card, during the stop. If you had valid insurance at the time of the stop, presenting proof to the appropriate authority resolves this citation.
Correction Window
The deadline is printed on your citation. Present proof before that date.
Fine After Correction
The base fine is $25 after correction is certified if you had valid insurance at the time of the stop. If you did not have insurance, this becomes a more serious matter and the fines are significantly higher.
Who Can Certify
Present proof of insurance to any law enforcement officer, court clerk, or DMV office for certification.
If you did not have active insurance at the time of the stop, the process and fines are different. Contact the court listed on your ticket for guidance. Act before the deadline on your citation.
Step by Step
How to Correct This Violation
- 1
Locate your insurance card or electronic proof of insurance from your insurer.
- 2
Confirm the insurance was valid on the date of the stop.
- 3
Bring your citation and proof of insurance to a law enforcement agency or court clerk for sign-off.
- 4
Submit the signed citation and $25 fee to the court before your deadline.
Questions
Frequently Asked Questions
- Can I show proof of insurance on my phone?
- California law permits electronic proof of insurance on a mobile device. Most insurers provide a digital insurance card through their app or by email. Confirm with the certifying authority that electronic proof is acceptable at their location.
- What if my insurance lapsed and I did not have coverage at the time of the stop?
- If you did not have active insurance at the time of the stop, the violation cannot be resolved through the standard fix-it correction process. The fines are significantly higher and the court may require additional steps. Contact the court listed on your citation directly.
This guide covers passenger vehicle violations. Drivers operating under a commercial license should consult their employer or a licensed attorney.
This guide provides general procedural information only. It is not legal advice. For questions specific to your citation, contact the court listed on your ticket.
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