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Fake Insurance Cards

If your vehicle is hit by a driver with a fake insurance card, it's you or your insurance company who will be most likely responsible for paying the price. This is a fraud that affects everyone involved and turns out to be very costly not only for those accused of such a violation. Fake insurance cards are considered quite a serious problem in the US and this crime is reported to get increasingly popular.

There can be different reasons some drivers end up being caught with a fake insurance card. Some people believe that they are purchasing real Auto Insurance while some knowingly choose to obtain a fake insurance card in order not to pay for real insurance. Remember that even if you turn out to have fake auto insurance unknowingly, you would be considered to be driving without valid auto insurance, which is a misdemeanor. Every registered vehicle must be properly insured according to the law.

Those drivers who chose fake insurance as a way to avoid paying the cost of no-fault insurance coverage would be found guilty of a misdemeanor and fined of $100-$500, or punished by imprisonment of not more than one year, or both.

Any driver, who provides false or incorrect information to the secretary of state and/or uses an altered or fraudulent insurance certificate, will be found guilty of a misdemeanor and arrested and/or fined of not more than $1,000.00. Also, if you are accused of purposely giving the officer fake insurance information, you will receive more penalties than you could expect to get just for driving without insurance.

There is no chance to get away with it. Your car insurance most likely will be verified at the moment of a traffic violation stop. Basically it will depend on the state laws as well as local jurisdictions law enforcement's equipment but most probably they will have equipment available to check the validity of your insurance card as well as check its validity by accessing a state database. Since in most states insurance companies notify the Department of Motor Vehicles in case a driver's insurance policy is canceled, lapsed or is not valid, they will easily determine that you are uninsured. This will undoubtedly lead to your turning in your license plates and your driver's license suspended.