..when I worked in the traffic enforcement unit, I would take note of everybody`s expired insurance, and note what insurance company people verbally advised me they were using. On slow days, I would go ahead and contact the different insurance companies to see if an active policy was in effect. In the meantime, I would`ve charged with them not having an insurance card.
I`d say 2 times out of 5, there was no active insurance policy when I double checked. At that time I would then charge them.
But most officers don`t go out of their way like that. 99% don`t.
No, I do not work for Toronto Police...
... it is just a name folks