State minimum requires liability insurance, which follows the dr

There are two ways a driver is covered by liability insurance: (1) he is covered under his own policy on his car (2) he is covered by his friend's policy under permissive use of his friendsly car.

LZ's case, his friend's policy expired, that is fine. LZ is still covered by his own policy. However, LZ did not carry his own insurance paper with him, that is why the police gave him the ticket. Because if LZ got into an accident at that time, he cannot produce ANY valid insurance card to another driver.