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Fake Motorcycle Insurance Cards & Falsification of Coverage

Fake Motorcycle Insurance Cards & Falsification of Coverage

There are many individuals that want to save themselves money by riding without insurance. Although some states require insurance before you register your vehicle, others allow drivers to register their motorcycles with no insurance. In these states that do not mandate insurance with registration, many drivers think they can sneak under the radar without coverage. As a way to protect themselves, many of these uninsured drivers create fake motorcycle insurance cards.

Fake Motorcycle Insurance Cards & Falsification of Coverage

Why do people create fake insurance cards? Many motorcyclists create this “fake proof” of insurance because they think it will pass as the real thing. Just like college students under the age of 21 create “fake ID” cards so that they can get alcohol, people also falsify insurance. The problem with these fake cards is not only that they are illegal, it is that they likely won’t pass as the real thing. The reason they will not pass as legitimate proof of insurance is because police are well trained to spot fakes.

Police Officers Use Electronic Insurance Verification

If you are involved in an accident and/or pulled over by a police officer, they may request to see proof of insurance. If you end up using a fake card (because you don’t have real coverage), they will likely be able to tell. Many states have what is called an “electronic insurance database” which keeps your information on record with the state. Drivers that have legitimate insurance will have it on record with the state. This is due to the fact that whenever you sign up for a policy, many states require electronic verification from your insurance provider.

Individuals that have no record of being in the electronic database will not show up. When the police officer checks out your insurance and tries to look it up in the electronic system with insurance records, they will not find your coverage. Upon closer look at your fake card, they will see that your insurance has been falsified. This will result in some serious legal consequences.

Penalties for Insurance Fraud / Falsification

Not every state requires drivers to have proof of insurance for their motorcycle. However, in the majority of states, you are always required to have insurance that meets the minimum liability requirements and proof of this coverage. If you would like to find out whether you need coverage in your location, be sure to read the “State Requirements” section. If you live in a state where insurance is required and you attempt to falsify your insurance, you will be penalized. Various penalties for this offense are included below.

  • Class A Misdemeanor: If police determine that you have falsified your insurance card, you will be charged with a “Class A” misdemeanor. This will show up on your record for the rest of your life.
  • Fines: Most states will issue a fine of $2,500 for falsification of insurance. For most people, this is a significant chunk of change. You could have purchased insurance coverage with this amount of money.
  • Jail: Falsifying your insurance is punishable up to a full year in jail. This means that you will have to do jail time because you lied to an officer.
  • Suspensions: Both your driver’s license and motorcycle registration will face suspension. This means that you will not be able to drive and nobody will be able to drive your motorcycle until the suspension period has been served.
  • SR22 Form: In the future, you will need to file an SR22 form before you can drive. This allows the state to track your insurance and verify that you have coverage. You may need to be on file for years before you have built up enough trust to drive without one.
  • Reinstatement Fees: When you have served your time and paid all fines associated with your falsification of insurance, you will need to reinstate your license and registration. You will end up having to pay money to your state’s Department of Motor Vehicles to get each reinstated.

Note: It should be noted that in order for police to charge you with a Class A Misdemeanor, they must be able to prove beyond a reasonable doubt that you knew your insurance card was fake. If you are caught, you may want to find an attorney and fight your case. With that said, an attorney can also get expensive and if you know you’ve been caught, you need to fess up.

Get a Legitimate Motorcycle Insurance Policy

Instead of trying to fake your motorcycle insurance card, get a real policy. Faking your card to save money in the short term may work, but all it takes is getting caught one time to face significant legal and financial penalties. You can still get a policy for an affordable price and drive your bike legally. To get the best possible deal, use the free tool below and enter your Zip Code – this will show the top rated providers in your location.

From the list of top ranked insurers, all you need to do is get a free quote from each one. After you have obtained a free quote, determine which company is giving you the most affordable rate for the coverage that you need. When you finally purchase a legitimate policy, you won’t have to worry about fake insurance because you’ll have authentic proof of coverage to show an officer if you are pulled over.

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