Driving Without Insurance Solicitor in Bolton

The first question is whether you were insured after all. A valid policy or cover note in force at the time is a complete answer to the charge. Policies are sometimes shown incorrectly on the database, cancelled without proper notice, or extended to cover other vehicles in ways the police do not see at the roadside.

If someone else, such as your employer or a hire company, was responsible for arranging cover, that can also be relevant to the charge.

Many of these prosecutions arise from genuine confusion: a policy that was believed to be in force, a company vehicle the employer said was covered, a broker cancellation never received. If you honestly and reasonably believed you were insured, and that belief was induced by someone else, the court can find special reasons.

Where special reasons are found, the court can decline to endorse any points. For a driver close to 12 points, or whose job depends on driving, that can make a very real difference. The argument has to be prepared carefully with documents and, usually, evidence from you in court.

Driving without insurance carries 6 to 8 penalty points and a fine, and the court has a discretion to disqualify instead. Six points on its own can be enough to reach 12 if you already have points, which brings in a totting up disqualification. New drivers within two years of passing their test should also be aware that 6 points can lead to their licence being revoked.

Police can also seize a vehicle being driven without insurance, and if it is not reclaimed with valid cover and the fees paid, it can be destroyed. If your car has been seized, act quickly and keep every document relating to your insurance.

Motoring cases from Bolton are usually heard at Bolton Magistrates' Court, The Law Courts, Blackhorse Street, Bolton BL1 1SU. The court and date for your hearing will be on your charge sheet, postal requisition or single justice procedure notice.

Sean attends Bolton Magistrates' Court and will talk you through what happens on the day, from arriving at the building to how the hearing itself is likely to run.

Sean helps clients across Bolton, Farnworth, Horwich, Westhoughton and Kearsley. The first conversation is a free phone call, and most advice can be given by phone or video at a time that suits you.

You deal with Sean directly throughout: he prepares the case himself, attends court with you, and gives you an honest assessment of your options before you decide anything.

This page is general information, not legal advice on your case. Every case depends on its own facts, so speak to Sean about your situation before you decide anything.

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