Can you fake having car insurance?

Don’t try and figure out how to fake having car insurance. It will only cost you more in the long run. Carrying a fake car insurance card and claiming a fake car insurance policy can cost thousands of dollars in fines.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: May 9, 2022

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Things to know...

  • When you own a car, there’s no way to legally register it and drive it without buying car insurance
  • If you drive without any insurance, you could be pulled over for having no insurance and cited
  • Some states require law enforcement to physically tow an uninsured car and then impound it when it’s driven
  • If you’re cited for no insurance, you must appear in court and show evidence of insurance to have the fine waived
  • If you present fake proof of insurance and coverage that can be verified electronically, you could be arrested

If you’re pulled over without insurance, you might be tempted to find out how to fake car insurance and create a fake document.

If you succeed in making a fake insurance card that says that you have insurance for the next six to 12 months, it will only make the situation worse. Not just because you wouldn’t actually have protection, but also because having fake proof of insurance in court is a serious offense.

You should know that there are plenty of reputable car insurance companies that offer a wide range of policies. There’s no doubt you can find a policy that meets your needs so you can avoid the need to research how to make a fake car insurance card.

Fake car insurance calls for duplicity and getting around the law. There’s no need to fake car insurance quotes when you can use our free comparison tool above to find a low rate that works for you.

Why shouldn’t you fake car insurance?

If you are paying for your car and you’re paying for your annual registration dues, you might wonder why law enforcement officers are even asking you about insurance.

The reason that proof of insurance is one of the first things that law enforcement will ask you for at a traffic stop is that there are minimum car insurance requirements that are set by the state.

These mandatory requirements are written under state legislation.

Auto insurance is generally a state requirement. In all but two states, you must have third-party liability insurance and/or personal injury protection to register your car and keep it registered.

Since you have to have a registration to drive your car or even park it, you’ll have to have insurance at all times.

Having an officer ask for proof of insurance is kind of like quality control. By asking drivers for evidence when they are already in contact with an officer, the state can assess fines to people in real-time when they don’t have insurance coverage in their car.

State officials can’t follow you around and ask you about your coverage on a daily basis, but sometimes asking for the ID card randomly is the best way to catch an offender when they least expect it. It’s a great way to deter people from committing auto insurance fraud.

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How do you provide proof of auto insurance?

If you’re at a traffic stop or the scene of an accident, you’ll need to provide the officer on the scene or the other driver with evidence that you’re covered.

You might think the evidence would be a huge document detailing all of your coverage, but it’s not. The only thing that you need to show that you have complied with the laws in your state is an insurer-issued auto insurance ID card.

Why would you want a fake insurance card for court?

Hopefully, you don’t want one, but if you’re wondering how to get fake insurance simply because you’re not sure how else to obtain an ID card, we have you covered.

If you don’t currently have an ID card, you have plenty of options. For starters, you need to have insurance through a respected auto insurance carrier that is licensed to do business in your state.

As long as the company is licensed to sell personal auto policies in the same state where the car is titled and registered, you shouldn’t have any problems getting an official document like an auto ID card.

When you sign up for insurance, you are given a temporary auto ID card, as described by the California Department of Insurance, that’s only good for around 30 to 60 days. After the information is verified and your payment clears, you’ll receive more than just the temporary paper ID card.

The official card will be on a laminated piece of paper and it will show the full term and not just the first month of it.

Beware if you see enticing links that say, “make fake insurance card online for free.” These are definitely scams or your attempt at scamming yourself.

What can you do if you misplace your car insurance ID card?

In some states, ID cards have to be printed on a card as small as 3×4 inches. It’s easy to lose a card that’s small if it’s in your wallet or your glove box. If you lose your auto ID card, you don’t have to wait until your next renewal to ask for a new card., as described by the Missouri Department of Revenue.

If you need a new car insurance card, here are some ways to get one:

  • You can download your car insurance company’s app. Most states accept electronic proof of insurance if you are pulled over.
  • You can call your insurance company for a replacement.
  • You can log in online and print a new copy from your home printer.
  • If your company has a local office, you can even stop by and have them print the card for you.

Your policy must be active before you can request an ID card to be printed. If there’s a lapse, the card will only be printed as of the day the policy was reinstated.

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What happens if you have a fake auto insurance policy number?

If you look up copies of auto insurance ID cards and you decide that you’re going to try and doctor a document on the computer, please reconsider.

It might be easy to use a PhotoShop tool to create your own ID card complete with the company logo, but simply having a document doesn’t mean that the company will go by strictly what the card says.

Furthermore, there are fake auto insurance companies out there that might seem legitimate. These are typically websites that claim to make fake car insurance cards online for free. However, chances are they’re going to try and utilize your personal information for their own fraudulent purposes. If they request your vehicle registration information, your license plate number, or even your social security number, you could be in danger of identity theft.

Plus, even if you do succeed in creating a fake, you could get caught. Should that happen, and you end up presenting a judge with a fake insurance card for court, you’ll find yourself in a world of trouble.

What happens if you give law enforcement fake proof of car insurance?

If you’re stopped and you are asked for your registration and your proof of insurance, that doesn’t necessarily mean that the officer doesn’t know you don’t have insurance.

It could be a trap to see if you’re going to falsify evidence.

In many states, officers with access to onboard computers in their squad cars can already see your license plates and insurance status in real time.

If you do happen to hand over a doctored or invalid auto insurance card to the officer requesting evidence, the hot water you’re already in could get much deeper and hotter. That’s because handing over a fake ID card is a crime.

If it’s confirmed that you doctored the card intentionally, you could be given another citation or hauled off to jail for fraud.

Will the DMV recognize a fake car insurance policy number?

The DMV uses computer systems to see if drivers have insurance. The insurance verification is done electronically by VIN. If you have fake proof of insurance, it doesn’t change what the database says.

The DMV will still know you’re not insured and you’ll still be assessed a fine. You could even have your license plates suspended.

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What happens if I get into an accident and use fake full coverage insurance?

If you cause an accident and provide fake proof of car insurance, be rest assured the bill for the other person’s injuries and vehicle repairs will not be fake. Consider the penalties for faking car insurance just as bad as not having insurance at all. You will be responsible for your own negligence.

Is fake car insurance considered car insurance fraud?

There is what’s illegal and there is what’s fraud. Driving around without legitimate car insurance is illegal.

It becomes fraud if you intend to reap financial gain like when people stage a car accident and file a claim to get reimbursed or when you file a phony claim because you’re really embarrassed about hitting that mailbox and decide to say it was a hit and run.

Punishment for breaking the law by faking car insurance will vary from state to state. Some states will fine you only a few hundred dollars while others will find several thousand and you can potentially spend time in jail.

If you somehow get around the fines, you will certainly have your driver’s license suspended, especially if you find yourself in front of a judge.

What if I’ve been conned by a fake car insurance company or provider?

There are some cases when you may be under the assumption that your car insurance is real when you have actually been conned. The policy may appear to be legitimate but there are fake car insurance companies out there that have fake names or use the guise of some of the big-name car insurance companies.

If you suspect you’ve been conned, contact your local DMV to investigate.

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How do I avoid fake car insurance companies?

There are a few things to look for that are dead giveaways that your supposed car insurance is a fraudulent policy.

  • If the company requires you to pay your first full premium in cash, then that is a huge red flag.
  • A huge indicator of a fake car insurance policy is if you have trouble obtaining proof of insurance or the policy documents.
  • If you are fortunate to get a document, read your policy in detail. Real car insurance companies have legal departments that ensure policies have exact language. If you see any misspellings or typos, you should question the company’s authenticity.
  • Only real car insurance policies start on the same day you purchase it — down to the minute. If an insurer offers to backdate your policy to be active prior to the day of your first payment, you may be getting conned.

No one likes to be at the bad end of a scam.

What if I can’t afford car insurance?

In many states, finding affordable insurance is extremely difficult due to state laws. In some states, there are special programs for low-income families.

For example, New Jersey has the “dollar-a-day” insurance coverage option. These types of policies meet the minimum requirements for car insurance but sometimes get complicated when you actually need to file a claim.

If you constantly get denied car insurance or can’t find any coverage you can afford because of a bad driving record, you have options.

Some states participate in an assigned risk pool meaning that the big insurance companies are required to “donate” coverage at a lower price for certain types of policies like SR-22 car insurance. The downfall to this is that you don’t get to choose the company.

Bottom Line: Don’t Fake Car Insurance

You don’t want to fake having car insurance. It’s essentially faking that you are protected. Since driving can be dangerous, it’s best that you take every step to buy financial protection.

You’ll quickly find that fake insurance for a car is unnecessary, especially when there are plenty of viable options available at low rates. For example, take a look at the following annual car insurance rates.

Average Annual U.S. Car Insurance Rates by Company
CompaniesAverage Annual Rate
American Family$1,233
State Farm$1,511
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This data suggests that an average annual insurance policy from these companies is $1,359, or $113 a month. That’s a small price to pay to avoid any punishment associated with carrying a fake auto insurance card.

Use the Internet and take the steps necessary to compare the cost of car insurance with leasing car insurance companies.

Rather than looking for a fake car insurance card template or fake car insurance PDF, enter your ZIP code below and buy car insurance to avoid any hassles associated with fake car insurance.

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