Wow so tell him you dont have any at all or put the expired one in his hand showing atleast you did have insurance and the story of it in the mail or at home sounds like the truth.
By telling him you have no card you may as well tell him you dont have insurance at all. In some states with no proof of insurance they will take you to jail and your car impounded. Hammond In was like that. No DL, No Insurance, expired plates, your going in the tank and your car will get taken away. Why would you even think of telling an officer you dont have your card and basicaly saying I have no insurance when you have an expired card in your possesion?? If you show the expired card id say 99% of the time you will be let off with a slap on the hand, a reminnder to put the new card in your wallet, and a warning.
Why is this thread even made?????