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What are the penalties for a fake insurance card in Florida?
My cousin doesn’t want to pay for insurance anymore and keeps joking that he’s just going to procure a fake one. I told him this is a very bad idea, but he doesn’t want to listen to me. What are the penalties in Florida for counterfeit insurance documents? I hope I can set him straight.
Maxine Boyko · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You got that right—faking insurance is indeed a very bad idea!
Fake proof of insurance
is illegal and has serious consequences if you’re caught in Florida
.False or fraudulent proof of motor vehicle insurance is charged as a felony of the third degree. This typically holds a prison term of up to 5 years for the first offense and/or up to five years of probation. Habitual offenders usually receive a prison sentence of up to 10 years.
In addition to prison time, a person convicted of insurance fraud also faces the following monetary penalties:
- Up to $5,000 in fines for a first-time offense.
- Between $5,000 and $10,000 in fines for a second offense.
- Between $10,000 and $15,000 for a third or subsequent offense.
Getting caught without
valid insurance in Florida
doesn’t pay. Your cousin can avoid steep financial penalties and keep his rates low with Jerry
. Jerry is a licensed broker and car insurance shopping super app designed to compare quotes across more than 50 top-rated insurance companies. Once you find the rate that works for your budget, Jerry will help you enroll in your new coverage and cancel your old policy. The average user saves more than $800 on car insurance each year.
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- Gregory R.
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