Why You Should Never Use a Fake Insurance Card

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Mar 13, 2020

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It’s one of the oldest tricks in the book. You print a fake insurance card, then give that insurance card to another driver after you get into an accident. You escape without penalty, and the other driver has no way to track you down.

Should you use a fake insurance card to dupe other drivers? Absolutely not – and there are many reasons not to use a fake insurance card. Today, we’re explaining just a few of the reasons why you should never use a fake insurance card.

Why People Use Fake Insurance Cards

fake car insurance cardTake a few seconds to Google, “printable fake car insurance cards” and you will find thousands of results. You’re not the first person to concoct a fake insurance card scheme.

There are a number of reasons why someone might use a fake insurance card. Some people simply can’t afford car insurance and don’t want to get caught driving without insurance. Other people may be in the country illegally or have some other trouble with the law.

Unfortunately, fake insurance card schemes have risen in popularity in recent years. The internet has made it extremely easy to copy and print fake insurance cards. Within seconds, you can print off an insurance document that looks shockingly similar to a real insurance card.

The U.S. government does everything it can to shut down fake insurance card websites. For every site they take down, however, two more appear online. As long as the demand is there, fake insurance card websites will always exist.

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Do Fake Insurance Cards Work?

Fake insurance cards can be tough to spot. Many fake insurance cards use the names and logos of real, well-known insurance companies.

If you are pulled over by law enforcement, the police officer may only perform a cursory visual check of your insurance without verifying the information. In that case, your fake insurance card can fool even a police officer.

Some scammers also use fake insurance cards to fool unsuspecting motorists. A scammer might keep a fake insurance card in his or her glovebox just in case of an accident with another motorist. The other motorist will take down the insurance information in good faith, not knowing that the information is fake.

If anyone decides to check your insurance, however, or contact the DMV, your fake insurance card scam will quickly be discovered. Drivers who choose to print fake insurance cards off the internet will face enormous legal consequences. As you’ll learn below, fake insurance card fraud can easily be discovered, leading to jail time and other serious consequences.

Fake Insurance Cards Are a Type of Insurance Fraud

There are plenty of obvious reasons why you should never use a fake insurance card. There are moral issues to scamming innocent drivers, for example. There’s also the problem of insurance fraud – something that can lead to years of jail time.

Anyone who uses a fake insurance card is committing insurance fraud. Insurance fraud is illegal, and you will face significant fines, penalties, jail time, and other consequences.

Penalties vary based on the incident and your state. In some states, drivers who use a fake insurance card will pay a fine of a few hundred dollars. In other states, drivers are fined thousands of dollars. Some states suspend or revoke your driver’s license and vehicle registration after you’re caught using fake insurance.

All of the penalties above are just for using the fake insurance card in any situation. You may also face further penalties for fraud. In many jurisdictions, committing insurance fraud will lead to years of jail time and other severe consequences.

What If You Don’t Realize Your Insurance Card is Fake?

The internet has given rise to another unfortunate phenomenon: fake insurance card websites that masquerade as legitimate insurance sellers.

Let’s say you’re looking for cheap car insurance online. You want the cheapest possible car insurance while being able to legally drive on the road. You can’t find anything that meets your needs until you stumble upon one shady-looking website. The site promises to sell you cheaper car insurance than any other provider. You complete the application process, submit payment, and print off your car insurance.

The card might look legitimate. Some feature the names and logos of real, legitimate insurance companies.

Unfortunately, the car insurance website just scammed you, stealing your credit card information and sending you a fake insurance card document in return.

Because of scams like this, some drivers are handing out fake insurance cards without realizing the cards are fake.

Unfortunately for drivers who have fallen victim to a scam like this, using a fake insurance card is always considered fraud. Even if you used the false card without knowing it was false, using the card is considered a form of fraud, and you may face severe penalties.

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It’s illegal to drive without insurance. It’s even more illegal to drive without insurance and use a fake insurance card. For all of the reasons above, it’s not a good idea to use a fake insurance card in any situation whatsoever.

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