Thief River Falls Woman Listed on Insurance Charge

THIEF RIVER FALLS, Minn. (trfnews.i234.me) — Nicole Ann Fineday, 40, is named in a Pennington County jail roster entry involving an uninsured vehicle violation.

The entry identifies the offense under Minnesota Statute 169.797, subdivision 3.

The listed violation involves operating a vehicle without required insurance coverage.

The supplied record identifies the inmate type as PCSO.

Uninsured Vehicle Violation Listed

The jail entry lists one traffic-related offense for Fineday.

The charge is described as “Traffic Regulation-Uninsured Vehicle-Driver Violation.”

Under Minnesota law, drivers must operate vehicles with legally required insurance coverage.

Section 169.797, subdivision 3, addresses drivers who know or have reason to know a vehicle lacks required insurance.

Such violations are generally misdemeanors but can become gross misdemeanors under certain conditions.

Those conditions include qualifying prior convictions within a 10-year period.

The supplied jail entry does not include a booking date or the circumstances of the alleged violation.

Previous Insurance Case Reported

TRF News previously reported an insurance-related case involving Fineday in Pennington County District Court.

That report described an April 3, 2026, traffic stop along Highway 59 in Thief River Falls.

According to that earlier report, investigators alleged Fineday operated a vehicle without active insurance.

The previous complaint also referenced insurance-related convictions from May 2021 and August 2022.

The earlier charge was filed as a gross misdemeanor, according to that report.

However, the supplied roster entry does not establish whether it concerns the same court case.

Readers can review the earlier TRF News report for additional background.

Minnesota Law Requires Vehicle Insurance

Minnesota law generally requires motor vehicles driven on public roads to carry liability insurance.

Drivers convicted under the uninsured vehicle statute may face fines and other penalties.

State law also allows driver’s license and vehicle registration consequences following qualifying convictions.

The penalty depends on the offense level and the individual’s circumstances.

The Minnesota Legislature’s official statute provides additional information.

Court and Custody Information

The supplied entry does not identify a new court date, bond amount, or booking date.

Current custody status could not be independently confirmed from the publicly retrieved roster.

Readers can check the Pennington County Sheriff’s Office in-custody search for updated listings.

Public court information is also available through Minnesota Court Records Online.

A jail listing does not establish that an individual has been convicted of a crime.

Fineday is presumed innocent of any pending charge unless proven guilty in court.

I’m Adrian Cole reporting for TRF News.