So they're going to be on your record until January 2017.
So what's the best way to get these charges dropped?
I got two tickets
No insurance and no ownership
I have both but were mistakenly at home
Should i go got early resolution? Or is there another way to resolve this
And what wording should i use? So as not to incriminate myself
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You're basically already "incriminated" as there's no debate about the fact you didn't have them, so don't worry too much about that honestly. Unlike a speeding ticket or something open to error or interpretation (AKA, your radar gun was reading someone else's car, not mine), you're going to have a hard time trying to convince a judge that you really did pass the officer your paperwork but they somehow wrote you a ticket for it anyways.
Best thing to do is attend the courthouse on the back of your ticket and speak to the clerk about them. Obviously, BRING YOUR PAPERWORK including a letter from your insurance company confirming coverage was indeed in place during the period of time you received the ticket. Be polite and friendly - honestly, it's not a big thing to ask...and these people deal with angry rude idiots all day long, so you could be a refreshing change for them, and it could be the difference between a positive and negative outcome. See if they'll do anything right there and then which is doubtful, but I've heard of it happening - heck, sometimes the police writing the tickets will say "bring your paperwork to the court later today and it'll be dropped"
If they won't do anything at that moment in time you have a choice to make - plead guilty, guilty with an explanation, or not guilty. As mentioned the latter is likely to result in you getting hammered with the full charge (as you can NOT prove you were not guilty of the charge in a technical form), guilty is not the route you want to go obviously, so I'd plea guilty with an explanation and then go to early resoltuion and talk to the prosecutor. Again, pleasant, polite, friendly - it's worked for me.
I think your odds of having the insurance ticket tossed are decent, it seems to be a one that they have a lot of leeway to drop so long as you can prove you had insurance in place..which honestly, they already knew when you GOT the ticket otherwise you would have received the much larger and more serious "no insurance" charge. I'm assuming your charge is "fail to provide proof of insurance", not the actual "no insurance" charge that has a minimum $5K fine? Please clarify.
The no ownership one might be hard to get tossed but you can certainly try at the same time....but it's a pretty minor thing that your insurance company probably won't care about unless you have a string of other things already on your record.