Fake Car Insurance Cards are No Joke

Driving with a fake car insurance card is illegal and may only worsen the consequences of driving without insurance if you are caught. The average liability coverage rates are only $48/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 22, 2020

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Here's what you need to know...

  • Driving without insurance is illegal and a fake insurance card doesn’t change that
  • A fake insurance card will provide no coverage in an accident
  • If you’re worried about the cost of insurance, getting a no-frills policy can help keep the cost down

Simply because fake car insurance cards can be downloaded from the Internet and printed off, doesn’t mean that trying to pass one off as the real thing is a good idea.

Learning how to make a fake insurance card is not going to help you. Driving without car insurance coverage is not a smart thing to do.

You can get online car insurance quotes right now simply by entering your ZIP code above!

Not only are you opening yourself up to being charged with a crime by using a fake insurance card, but you don’t have the protection that a real car insurance policy provides.

Can you go to jail for fake insurance?

Driving without liability insurance coverage is a crime in most parts of the United States. One can also be heavily prosecuted for driving with fake insurance cards.

If you are stopped by police for a roadside check, you are required to show proof of insurance.

Failure to do so may result in your registration and/or license being suspended. You may also be required to pay a fine, and in some parts of the U.S., people who are caught for a second or subsequent time driving without car insurance may face a jail term.

Once the legal issue has been resolved, you will be required to provide proof of insurance to the Department of Motor Vehicles before you will be allowed to register your vehicle again. You will also be required to pay a fee at this time. Remember, fake car insurance is a crime.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Fake Car Insurance Doesn’t Protect You

Drivers who decide to get behind the wheel without proper insurance in place do so because they think they can’t afford real coverage. They may also make this choice because they feel they are careful drivers who would never be involved in a car accident.

Even the most careful people on the road can be involved in a car accident. Insurance is something that people buy and hope that they will never have to use.

An at-fault car insurance states, if a person is an at-fault driver in a motor vehicle accident, he or she is responsible for paying for damages caused.

In a case where the at-fault driver has liability insurance coverage in place, his or her insurance company will pay the claim for medical bills, lost wages and rehabilitation costs to the people in the other vehicle who were hurt in the accident.

It also pays for repairs to the other driver’s vehicle and any public property damaged in the accident, such as signs and light posts.

Driving without car insurance coverage in place means no financial protection is available and the at-fault driver without insurance is personally responsible for the cost of damages.

Car insurance doesn’t only protect the occupants of the other vehicle when an accident occurs:

  • Collision –The collision coverage pays for repairs if your car is damaged in an accident where you strike another vehicle or an object.
  • Comprehensive –– Comprehensive coverage protects against other types of losses, such as fire, theft, and vandalism.
  • Personal Injury Protection (PIP) –This and medical coverage will pay for your medical bills and compensate you for lost wages if you or a family member is injured in a car accident.

If you choose to drive without coverage, you won’t have any of these types of protection in place.

Affordable Alternative to Fake Car Insurance

Rather than going to the trouble of printing off a fake car insurance card, your time would be better spent going online to compare car insurance rates. Each company offering car insurance coverage is free to set its own rates, and pricing does vary depending on the provider.

Shop around for coverage to find a car insurance policy that will give you at least the minimum level of coverage required by the state where you live.

If cost is an issue, look for a policy that offers basic coverage without adding a lot of frills.

When you start adding extras to your car insurance coverage, you will end up paying more for the protection.

When you are looking for car insurance coverage, be sure to ask the company about any discounts for which you may qualify.

Insurance providers will give better pricing to customers who drive vehicles equipped with safety devices (seat belts, airbags, anti-lock brakes), and anti-theft devices. Insuring more than one vehicle with the same company can also mean better pricing.

If you want to avoid the traps that come with fake car insurance, start your search for affordable car insurance quotes by entering your ZIP code below now!

4 http://chicago.suntimes.com/news/woman-charged-after-using-fake-insurance-card-to-retrieve-her-car/
5 https://www.iii.org/issue-update/compulsory-auto-uninsured-motorists
6 https://www.consumerfed.org/pdfs/140310_penaltiesfordrivingwithoutautoinsurance_cfa.pdf
7 https://www.cbsnews.com/news/are-you-missing-out-on-car-insurance-discounts/
8 https://www.huffingtonpost.com/nerdwallet/5-safety-features-that-ca_b_8699562.html

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