Penalties for Using Fake Proof of Insurance
By: Good2GoPublished: January 27, 2016
Like most things in life, car insurance can be costly. This often leads to drivers cutting corners in an effort to lower costs. A common and highly illegal method of cutting corners is to pass false car insurance information as legitimate. Each year, thousands of drivers will provide police, or other drivers, bogus proofs of insurance. From the outside these cards and information may look genuine, but often these folks aren’t insured. Here are the penalties for using a fake proof of insurance, as well as the easiest legal ways to obtain an insurance card.
Keep in mind these consequences will vary greatly depending on the state and the driver’s offense history.
If you have the proper insurance, but fail to present the documentation during a traffic stop, you will typically have a 24-hour grace period to show the correct documentation at a local court or government office, or risk receiving a citation. If a driver receives a traffic citation, their insurance rates may increase.
For drivers who are first-time offenders, the penalty will most likely be a fine. Most police departments and states use fines as a way to alert drivers to their lack of insurance. Fines are an easy way to light a fire under drivers and get them to purchase a legal insurance policy.
When it is discovered that a driver does not carry a legitimate insurance policy, the police and DMV will work to suspend that person’s license until they obtain an adequate policy.
Drivers who commit multiple offenses may be arrested. Avoid using the excuse that you cannot afford insurance, since there are multiple options out there, including minimum coverage insurance. After being arrested for driving consistently without insurance, drivers should not be surprised to see their licenses suspended. Some penalties may even be expanded to include additional fines.
In a handful of states, police officers and court systems have the ability to seize an uninsured vehicle on the spot, although they often use discretion. The following states may impound an uninsured vehicle: California, Iowa, Louisiana, Minnesota, and Oklahoma. If you’re in Ohio your license plate may be impounded after your first offense.
Use an existing card
If you are buying a vehicle, and have insurance coverage on another car that you are planning on trading in, you can sometimes call your provider and request a coverage swap. This will hold you over until you receive documentation for your newer car. These regulations change from state to state so be sure to do your research.
Purchasing auto insurance online is becoming more and more popular. It is often quicker and easier than contacting a local agent, or visiting a brick-and-mortar insurance agency. Even if you are unsure which insurance policy you want, you can shop around with ease. Some carriers will provide free online quotes. Good2Go Auto Insurance will give you a free car insurance quote in less than 60 seconds!
You can no longer use your busy schedule as an excuse. Quick quotes and comprehensive application processes have made buying car insurance online simple. If you have bought a policy online, you’ll be able to print out necessary documentation as you need it. Good2Go can provide you with instant proof of insurance!
Are you currently driving without insurance or know someone who is? It’s time to drive legal for less with Good2Go Auto Insurance! Good2Go has been providing customers with minimum coverage and high-risk car insurance packages for over 25 years. Forget about fake insurance cards; get affordable car insurance for as little as $20 down. Receive your free quote today!