What will happen if I cannot produce a business insurance certificate to the police?

I was caught with a dead brake light and given a producer. I was also caught in my work uniform and, because of the nature of the business, it was obvious I needed business insurance.

I am not insured on my own policy for business use - however, I am insured through my company with compulsary third party insurance.

My employer has made excuse after excuse about my insurance certificate and I now have only tomorrow to take it to the police.

I have taken all reasonable steps to obtain a certificate - but what can I do if I have to rely on someone else and they are being awkward about it?

At the end of the day, I am insured for business use but unless my employer "pulls his finger out", I have no way of proving it and could face court or prosecution.

Any tips will be appreciated.

The police only care that a vehicle is insured to be on the street. any discrepancies between personal and business use is defined in civil court, not criminal.

If your company has specifically indemnified you for liability through their separate insurance rider, you need a copy of that rider to protect your butt in the case of a civil lawsuit. But when the company gets sued for an accident, they can easily say that they never agreed to anything and then you're responsible for paying a civil judgement.

Now, for the extraneous and frivolous portions of your statement, that you're simply in a work uniform is not indication that you're on company business. You could be going home from work on your personal time and it's not up to you to prove it.

It doesn't matter what the business nature is, a vehicle would still need liability coverage, so that's a worthless observation.

You could have a business liability rider on your own insurance that would not be displayed on your insurance card.

So, what this is telling me is that you had NO proof of insurance in your vehicle at all, which was stupid. if the company is paying your entire liability, personal & business, your best bet is to ask the court for a postponement to get proof from the company that you were, in fact, covered effective at the time of the ticket.

And if your company doesn't expedite it, you're left hanging to take the whole rap.

What will happen if I cannot produce a business insurance certificate to the police?