What Should I Do?
So here's the story:
I was driving home from Markham to St. Catharines. I took the 404 to the 401. I had done this trip a few other times, so I knew that there was two ways to get onto the 401 West. I couldn't remember whether or not the 2nd entrance (that little tunnel) was HOV only or HOV and normal lanes. When I realized I couldn't make it over in time for the first entrance, I said screw it, I'll just wait for the 2nd entrance and get on that way. Sure enough it turned out to be HOV only and sure enough there was a cop there. He pulled me over, I told him I wasn't from the area and that didn't wanna keep going on the 404 in case I got lost and that I was going to be late for work if I had to backtrack (funny thing was that with how backed up the QEW was today I actually was about 5 minutes late). Didn't matter, he ticketed me anyways as I figured he would.
However, he also asked me for proof of insurance which I couldn't find (normally I have it between the center console and the passenger seat, but it wasn't there). Told him that I had it somewhere in the car (which was true, turns out it was in the trunk but found it when I got home) but he told me not to worry about it then and to stop looking. To add insult to injury, he then tickets me for failure to provide proof of insurance (I would have certainly ripped that car apart to find it had he not told me to stop).
As he hands me the ticket, he tells me that I should fight it in the chance that he doesn't show up.
Originally, I was just gonna pay the fines and cut my losses. However, once I found out that there were points attached to the one (not too sure how improper use of HOV lanes warrants points) I figured I'd take a try at option 2 or 3. Since I'm from out of town, more than 75km away, I was hoping to begin with option 2 over the phone. So from what I've read, if I take this option I can try to bargain with the prosecutor and if we can't reach a deal I still have the option to go to court?
My goal here is to try and save myself from booking the time off of work and the gas/time/hassle associated with appearing at the building itself. If I am to lose as well, the other offense I have (a speeding ticket for 10 over from May 2010) should be off my record by that time.
So, in short, here's my questions:
1) Is option 2 the route to go? (ie. - if i plead guilty to the failure to provide proof of insurance, is there a chance they may drop the other?) I can still go to court if we can't reach a deal, right?
2) Is there a lesser charge I could plea guilty to?
3) Do I have a case for the proof of insurance as it was in the car, cop just told me to stop looking for it?
4) Anyone had any luck defending this charge in the past?
Any input is appreciated!