Does Failure to Produce Proof of Insurance Establish Lack of Insurance ?
In Jennings v. Dep't of Transp., Bureau of Driver Licensing, 715 A.2d 552 (Pa. Cmwlth. 1998), the Court explained:
The mere failure to produce proof of insurance does not establish that the person lacked insurance any more than the production of an insurance card will prove that the person had insurance.
For example, an insurance company will send a 'proof of insurance' card to the policyholder when the policy takes effect.
This card covers the entire policy period, typically six months or one year.
However, if the insurance is cancelled or terminated prior to the end of the policy period, a vehicle owner would still have this proof of insurance card indicating that he or she has insurance, when, in fact, that is no longer the case. Id. at 555 n.6.