Direct debit woes led to no insurance

A STRADBALLY woman’s difficulty with her mobile phone contract led her to have insufficient funds in her bank account to pay her car insurance.

A STRADBALLY woman’s difficulty with her mobile phone contract led her to have insufficient funds in her bank account to pay her car insurance.

Mary Lynch, Ballycoolan, Stradbally, was detected driving without insurance or tax disc at the N80, Dunamase, Portlaoise, on November 5 last year.

Defence, Mr Philip Meagher said that his client would normally be insured, but she had experienced direct debit difficulty with her mobile phone company which led to her having less funds in her account than she expected.

“She felt if she lodged the normal monthly arrears for her insurance, the phone company would take it,” Mr Meagher said.

Mr Meagher went on to say that Lynch had tried to pay her insurance in cash the day before the direct debit was due to come out, but she was told in the insurance company’s office that they couldn’t accept cash.

“She became agitated and embarrassed by her financial circumstances,” Mr Meagher added. “Between the jigs and the reels the insurance policy was not enforced on the day.”

Mr Meagher asked Judge Catherine Staines not to disqualify his client, as Lynch is the only driver in the family.

Rejecting Mr Meagher’s request, Judge Staines pointed out this is a strict liability offence and if Lynch had been in an accident on the day she would not have been covered.

“We all pay for that through our high insurance premium,” said the judge.

For no insurance, Lynch was fined €300 and disqualified from driving for two years. For no tax disc, she was fined €300.