No proof of insurance/security

Civil • nonmoving traffic infraction

1. The person operated a vehicle subject to the security requirements identified in §316.646(1); AND
2. Failed to possess proper proof while operating OR failed to display proper proof on lawful demand under (2).
3. Determine owner/registrant status: (3)(a) applies to an owner/registrant; (3)(b) applies to another operator.

Paper or authorized electronic proof is accepted. Displaying a phone screen does not consent to examining other phone content. For an owner/registrant convicted without furnishing proof by the court date that coverage existed at the violation, (3)(a) directs license/registration suspension. That consequence is distinct from proving a criminal coverage offense.

Chapter 318 nonmoving penalty: $30 base, plus applicable assessments. Section 318.18(2)(b)3 permits clerk dismissal with up to a $10 dismissal fee on qualifying proof valid at the time; subsequent purchase alone does not establish prior coverage.

Civil nonmoving infraction: no criminal jury instruction applies.

Security / financial responsibility: the qualifying ability to respond in damages; an insurance card is evidence of security, not the security itself. PDL means property damage liability; PIP means personal injury protection. Their statutory requirements are distinct. Owner/registrant vs. other operator: identify the person’s actual role; the civil proof provision has different suspension consequences for these groups. In force: assess actual coverage at the event time, including effective cancellation/reinstatement and any applicable operator policy or authorized alternative.

Category

Insurance

Type

Non-Moving

Civil / Criminal

Civil

Offense Classification

Nonmoving infraction

Points

0

Fine / Penalty

$30 base nonmoving penalty plus assessments; qualifying proof valid at the time may permit clerk dismissal with up to $10 dismissal fee under 318.18(2)(b)3

Base fines are not the total payable amount. Costs, enforcement method, crash consequences, prior history, and court disposition can change penalties or points. A reported zero does not rule out license suspension or revocation.

Mandatory Court

No, generally

NTA Eligible

N/A — civil citation

Custodial Arrest

No — civil infraction (absent separate lawful basis)

NTA means notice to appear. Eligibility is conditional; these fields do not independently authorize arrest. Confirm the exact statutory track, lawful arrest authority, traffic procedure, and agency policy.

Civil infractions resulting in death or serious bodily injury require a hearing under §318.19.