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Most states crave you to buy some anatomy of allowance for your car afore they will acquiesce you to drive it. But all they ask to see is “Proof of Insurance”—a allotment of cardboard adage you accept it. In this day of Photoshop and appropriate printers, some bodies accept ample out how accessible it is to accomplish their own “insurance.”

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Of course, artlessly press up a affected affidavit of allowance for yourself and presenting it to the accompaniment authorities is illegal. And rather easy. Run a quick chase of “fake allowance cards” and you will acquisition too abounding to calculation on Google. As an attorney, I awful acclaim you not do that.

So I will move on to the added accumulation of bodies we charge to allocution about here: those who buy affected allowance from addition who may or may not accept appear how complete the allowance action is.

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Believe it or not, there are bodies out there advertising—on Craigslist, of course!—proofs of allowance for sale. Proofs that are acutely not absolute proofs of insurance. If you accompany one of these in to your DMV or Secretary of Accompaniment to get your registration, you are best acceptable committing a crime. (And you are additionally a sucker. All the being on Craigslist is affairs you is the anatomy you could accept gotten for chargeless by active the Google chase I declared above.)

But if you are absolutely apprenticed and believed that the allowance you bought off of Craigslist was real, you accept problems. Get in an accident? That allowance acutely won’t admonition you. Especially aback the added affair sues you and they ascertain you had no allowance at the time of the accident. And operating your motor agent after allowance is a crime.

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And states are arise bottomward on this. In 2013, Michigan did an analysis of all the allowance proofs they saw on one day. Sixteen percent were affected or affected statewide, with one canton active aing to 50 percent. The Secretary of Accompaniment said this:

…auto allowance scammers are aloof and arrant in breaking the law. One policy, acclimated by about 30 customers, included an official-looking QR computer code. But aback scanned, the QR cipher links to an online armpit that says only, “Llamas are sooo cool.”

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They accept amorphous to accomplish the law on this, which makes it a abomination to possess, sell, or action for auction a affected or affected affidavit of insurance. A felony.

So, while it ability be appetizing to save a few bucks and buy your “insurance” from some guy in a aback alley, go with one of the companies with the asinine ads on TV. Their allowance charge be absolute if they can allow to wallpaper every approach with the ads that don’t bother to acquaint you what they absolutely do.

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And whatever you do, don’t book up your own “proof” of insurance.

Follow me on Twitter: @stevelehto

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Hear my podcast on iTunes: Lehto’s Law

Steve Lehto has been practicing law for 24 years, about alone in customer aegis and Michigan auto law. He wrote The Auto Law Bible and Chrysler’s Turbine Car: The Rise and Fall of Detroit’s Coolest Creation.

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This website may accumulation accepted admonition about the law but it is for advisory purposes only. This does not actualize an attorney-client accord and is not meant to aggregate acknowledged advice, so the acceptable account is we’re not announcement you by the hour for account this. The bad account is that you shouldn’t act aloft any of the admonition after consulting a able able advocate who will, probably, bill you by the hour.

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