She did what she was supposed to do. She
should write the ticket, because you didn't have proof. If you had gotten in an accident that would have been a real problem.
But she also should have explained 1> that your existing coverage extends to your purchased cars for 30 days and 2> that all you needed to do was take proof of insurance or proof that your had just bought the car and hadn't arranged insurance yet to the clerk to get it taken care of.
The office that pulled me over (the one time ever, and it was in Frisco on 380 in the middle of nowhere like Keller) was very nice and explained the process of to me when I couldn't find my insurance papers.
I found something in the FAQ for the Texas Department of Insurance:
Quote:
When I buy an additional car or a replacement car, is it automatically covered?
Yes, but there are certain limitations. An additional car automatically has the same coverage as the car with the broadest coverage provided by your policy. For example, if you have two cars - one with liability coverage only and one with liability, collision, and comprehensive - and you buy a third car, the third car will automatically have liability, collision, and comprehensive.
......
Be sure to notify your insurance company as soon as possible that you have added or replaced a car and which coverages you want for the new car. You could lose coverage on the new car if you wait longer than 30 days.
