The specific consequences of not having insurance for your bike when stopped by the police can vary depending on the jurisdiction and the local laws. However, in general, there are several possible outcomes:
Warning or education: If it is your first offense or the officer determines that you were unaware of the insurance requirement, they may simply issue a warning or provide information about the legal requirements for bike insurance.
Fine or citation: In some jurisdictions, riding a bike without insurance can result in a fine or citation. The amount of the fine can vary depending on the location and the specific circumstances. The police officer may issue a ticket, similar to a traffic ticket, which you would need to address by either paying the fine or contesting the ticket in court.
Impoundment: In certain cases, particularly if you have multiple violations or if there are other extenuating circumstances, the police may impound your bike until you can provide proof of insurance. This means that you would need to pay fees and provide the necessary insurance documentation to retrieve your bike.
It's important to note that the above outcomes are general possibilities and can vary depending on local laws and regulations. To be sure about the specific consequences in your jurisdiction, it is advisable to consult the local traffic laws or seek legal advice.