Inquiry:  What is the maximum penalty for driving without insurance if iI was fully insured but didnt have the new card in my car with me?

Response:  If the charge is for actually operating a motor vehicle without insurance, the the maximum fine is $25,000 (+25% VFS) for a first offence and $50,000 (+25% VFS) for a subsequent offence.  If the charge is for failing to surrender a valid insurance card, the total fine is around $65 I believe.  If you have been charge with the more serious of the two offences, then you may be well-served to seek immediate legal assistance.  We offer a no-cost initial review of cases via our toll-free number 1-866-801-8299.

Greg Currie
Office Manager (London)