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Saved from a ticket by an iPhone

A lot of days the iPhone is a big help in getting us through our lives, but it's not everyday an iPhone saves one of our readers from a world of County Sheriff hurt.

TUAW reader Paul tells us he was driving on a Midwestern road covered with blowing snow. He slowed down for a car stopped on the side of the road, but the car behind him hit his rear bumper, doing damage to both cars.

The officer who arrived to investigate asked Paul for his insurance card. Of course, that was when Paul realized it had expired the month before, and he didn't have the latest card in his wallet. The officer said it would be $200 for not being able to prove insurance coverage, and since Paul didn't have the cash it meant putting his license up for bond.

While the officer was doing the paperwork, Paul used his iPhone to log into his Geico Insurance account via the web. He was able to request a PDF copy of his card, which was emailed to his iPhone; then he displayed it to the officer. Happily, the deputy accepted the card as proof of insurance and did not issue the citation.

I expect most police agencies wouldn't be so open to the idea of looking at a downloaded document, but in this case, at least, it is yet another reason to love the iPhone.

Thanks Paul!


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A lot of days the iPhone is a big help in getting us through our lives, but it's not everyday an iPhone saves one of our readers from a...
 

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dP

Same thing has happen to me. Thank goodness for geico...

February 09 2009 at 7:37 PM Report abuse rate up rate down Reply
lanejasper69

Any phone with web access and a pdf viewer can do this.

February 08 2009 at 2:25 PM Report abuse rate up rate down Reply
K-P

A somewhat similar story. I live and work in London, UK, but I am from southern Ontario. Back in November, I had flown from London to Montreal to attend a friend's wedding. As the wedding was conveniently located out in the middle of nowhere, I had rented a car.

When I got to the Hertz counter, though, I realised that I had left my driver's licence in Ontario (where I had been visiting two weeks earlier for another wedding). No licence, no rental car, right?

Nope. I called up my mom, asked her to scan the front and back of my licence, and email it to my me.com account. I enabled my data roaming and downloaded the image. I had my rental car five minutes later.

Oh, and the provincial police also accepted the scanned image of my licence when they pulled me over for speeding on Autoroute 40 two days later. If I didn't have the scan, I would have faced a hefty fine (unless I could produce my licence within a specified period).

Love my iPhone.

February 06 2009 at 6:19 AM Report abuse rate up rate down Reply
Byron

@16/17

There are many types of insurance that cover the driver. Before I owned a car, I had cars available to me to drive at different times (friends/family out of town or not using it). I had an insurance policy known as "Non-Owned Operator". I was insured in any vehicle I drove. It was of course a little bit more expensive than a normal policy, but it worked for the few months I needed it to save up for my own car.

February 05 2009 at 1:07 PM Report abuse rate up rate down Reply
Caleb Shay

Similar thing happened to me a few weeks ago. I was pulled over for having expired registration. The officer said "You have two choices. We can impound the car or you can call a tow company and have it towed back to your house, but you can't drive it." I whipped out my iphone, went to the PA DMV web site and renewed my registration right there and showed him the temporary registration they give you to print on the screen. My iPhone paid for itself that day.

February 05 2009 at 10:59 AM Report abuse rate up rate down Reply
Ron

California requires "proof of insurance", even though there is a state-wide database that the L.E.O. accesses in addition to seeing your physical proof. It's a fix-it ticket--meaning up to $1,000 if you don't fix it; $10 if you do.

I've used three different insurance agencies (motorcycles and cars), and lately they've all had .pdf documents online for download (or immediate email). They have been bigger agencies (Progressive/GEICO/USAA).

I was stopped once on my bike, and realized I had left my insurance/registration paperwork in my other bag (my previous two motorcycles had been stolen, so I don't like leaving identification papers on them). Since it was a photography trip, I had my MacBook Pro with me. Pulled up the email, showed it to the officer.

"How do I know that's not fake?" Really? So an email that shows who it is from, the header information and whatever else--with an attachment that I would print out is easier to forge than the attachment by itself?

All this to say--it's nice for backup, but it depends on the officer (and the situation). I have a lot of stuff stored now (nursing license, CPR/ACLS cards, Registration/Insurance for vehicles, etc); but I still carry the hard copy as appropriate. If I forget something or lose it, at least I'm not totally SOL.

February 03 2009 at 9:57 PM Report abuse rate up rate down Reply
Bill Eccles

I did the exact same thing Paul did just before my office Christmas party in December. Saved me the fine, and the officer was impressed.

See this entry on my blog:
http://www.bill.eccles.net/bills_words/2008/12/iphone-saved-me-93-fine-during.html

Granted, it only save me $93 (Connecticut is cheaper than somewhere else?!), but that more than paid my data usage for three monts...

February 02 2009 at 12:39 PM Report abuse rate up rate down Reply
Daveoc64

I suppose it's like how we don't have to carry our driving licences with us in the UK (they even tell you not to).

You get 7 days to take it to a police station if asked for it.

February 02 2009 at 12:18 AM Report abuse rate up rate down Reply
tdowling

I've always wondered the same thing! And Sam, I don't think it would be too bad if the database were voluntary. I would totally sign up.

February 01 2009 at 11:07 PM Report abuse rate up rate down Reply
paul

I am the "Paul" in the story. I am in my late 30s and a father of four. I submitted my story to TUAW and a writer from TUAW called me to ask me questions regarding the validity of the story before it was published. It's been fun to read all the comments about my story. The story is true as told in TUAW. I thought I would chime in to defend some of the skepticism.

I can afford a $200 ticket. But why would I want to pay a $200 fine if I didn't have to?

I was reluctant to share the name of the insurance company. In addition, I asked that TUAW not be specific about the location because I didn't want the officer to be implicated in the event he was breaking policy by accepting the proof of coverage on my phone.

In my state(IL), if you cannot prove insurance coverage then you are issued a ticket for not having insurance. I could either post my driver's license or $200 cash bond. Then I could bring proof to court(two months later) and receive my driver's license or $200 back. I didn't have $200 cash on me and I didn't want to be without my driver's license for two months. Also, I didn't want to take time to go to court to prove my insurance coverage.

My story was to be an interesting account of using an iPhone to get out of jam and not intended to be a viral ad for GIECO. However, if GIECO, Apple or AT&T would like to send me some $ for this unintended plug, then please contact TUAW. They have my email address from when I submitted my story. ;-)

February 01 2009 at 5:06 PM Report abuse rate up rate down Reply
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