Speeding and No Proof of Insurance Ticket in Texas

[PakiLegacy]

My question involves a speeding ticket from the State of: Texas.

Today I was pulled over for going 50 in a 40 zone. First I wasn't going 50 but I will leave that for a different day. My actual question is why did the officer give me a ticket for failing to show financial liability?

On December 6th, someone t-boned my car. I was finally able to get a rental today. After picking up my rental, I was on my way home when the officer pulled me over. After checking all paperwork, he said that I will have to write you up for not having insurance because the insurance you showed me is for Lexus ES 330 whereas you are driving a Chevy Malibu. WHAT? I told him that my Lexus was totaled and showed him the rental agreement but he was adamant about handing me a ticket for showing no proof of insurance. He told me to contact my insurance company and get a proof that the car I was driving was covered. WTF? Is there such a law? I thought the insurance follows the driver and since I had an authorized rental agreement, I should be good to go. Any ideas?

[Mr. Knowitall]

Texas law requires that you have proof of insurance in your vehicle. Often presenting a policy showing that your regular vehicle is insured, or a rental car contract, will satisfy an officer. I guess the officer is concerned that you may not have rental coverage on your insurance contract? (I can only speculate.) Did you obtain any insurance through the car rental company?

[PakiLegacy]

No I declined the insurnce offerred by the rental car company but I showed him the police report of the accident along with the insurance that the car involved in the accident was covered. Then I showed him the rental agreement. He said that when he pluged in the license plate in hiscomputer, it shows no insurance and that I need to prove that this particular car is covered.

It does not make sense to me at all.