Speeding Into Some New Insurance

, , , | Legal | October 16, 2018

(I am driving with a colleague to a work location some 180 miles away from our normal office. About 100 miles into the journey, we are driving along a dual-carriageway with a national speed limit; I am admittedly speeding about ten miles an hour over it. Glancing in my rear view mirror I see a police car behind us. I realise I’m about to get pulled over, so I ask my friend to get my license out of my purse. Sure enough, he flashes his lights and pulls me over as soon as we approach a wide strip of road.)

Officer: “Do you know why I pulled you over?”

Me: “Yes, sir, I was speeding.”

Officer: *surprised* “Well, your speed wasn’t ideal, but I pulled you over because your car isn’t insured.”

(I am immediately both confused and horrified.)

Me: “What? That can’t be. It should be insured; I got it sorted out a week or so ago.”

(Suddenly something clicks in my mind.)

Me: “Wait, it switched over today! I moved it to a new insurance company, and they said it can sometimes take 24 hours for the database to update.”

Officer: *disbelieving tone* “So, who did you take your insurance out with?”

Me: “I took it out with [Insurance Company only available to members of the police and their families].”

(The officers eyes go wide as he takes my insurance details and heads back to his cruiser. My colleague and I talk about how mad this is, and I fret about my car getting towed when we are in the middle of nowhere. Eventually the officer comes back.)

Officer: “I’m so sorry for the trouble, ma’am; I can confirm the car is insured. We have to check everyone when we see it comes up as uninsured. I hope you understand.”

Me: “Oh, of course I do! I would much rather you pull people and catch the ones without!”

Officer: “Well, I have delayed your journey and I’m sorry for that; is there anything I can do?”

Me: “Oh, no. We have another hour left to go yet, and we left plenty of time in our journey. Thanks, though!”

(With that, he goes back to the car and we leave. My colleague jokes that we should have asked him to escort us the rest of the way, but I just smile back at him.)

Me: “Nah, to be honest I’m just glad he forgot I was speeding and didn’t give me a ticket!”

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