BartPD, What I am says is charge the srew balls with everything on a complaint you can articulate to the magistrate. When they go to court let them (defendant) prove that they have MV insurance, (and even if they do I am sure their insurance will not cover them if they are not on the rental aggreement) and the charge will be dropped if needed. I have it kind of good though, because our department is small and we all know the magistrates and any time I file a complaint I include anything I can find justification for. Many Many times the magistrates drops the subsquent charge/s oh well I tried win some lose some, never get mad or feel insulted (Police always win in court, 4hrs OT for me) If it needs to be dropped I dont hear any shit about it because I articulated the charge best I could. our good relationship with the Charlestown Court also comes in handy. Sorry dont mean to be preaching to a fellow experienced police officer.
Just my two cents