CVC 16028(a): How to Beat Proof of Insurance in California (TR-205 Filing Guide)
Failure to provide evidence of financial responsibility when requested
Written by
Base fine
$35
Estimated total cost
Includes court fees and assessments
DMV points
0 points
What is California Vehicle Code CVC 16028(a)?
Failure to provide evidence of financial responsibility when requested
Common scenarios
- Unable to present valid insurance card at traffic stop
- Not carrying updated insurance after renewal
- Insurance on phone but phone battery dead during stop
Fine breakdown for CVC 16028(a)
| Category | Estimated amount |
|---|---|
| Base fine | $35 |
| Court & county surcharges (estimate) | $133 |
| Total estimated out-of-pocket | $168 |
County fees can multiply the base fine by 3–5x. ClerkHero confirms exact totals using your ticket details.
Defense ideas you can use in your TR-205 packet
Every ticket is different, but these arguments often surface in successful Trial-by-Declaration defenses. ClerkHero tailors the narrative to match your facts and any evidence you upload.
Defense 1
Officer’s line of sight was obstructed or visibility was poor.
Defense 2
Automatic enforcement equipment was not calibrated correctly.
Defense 3
Roadway signage or signals were obscured by foliage or construction.
Defense 4
You acted to avoid a greater danger or emergency.
How to fight CVC 16028(a) online with ClerkHero
Step 1
Upload your ticket
We read every detail (including camera tickets) to make sure your TR-205 packet is complete.
Step 2
Answer a few questions
Tell us what happened. We auto-generate a defense narrative calibrated to this violation code.
Step 3
Sign, mail, and track
You get step-by-step mailing instructions plus alerts so you never miss a deadline.