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Fake Car Insurance Policy Number and Its Dangers

  • Auto Insurance
  • Xavier Sabastian
  • 5 minutes

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Holding a fake car insurance policy number is an offense. Many ignorant drivers don’t realize the dangers behind such a fake number. Remember, going for shortcuts and easy ways may save you some time but will put you at risk in the long run. 

If you know someone using a fake car insurance policy number, this article should help you report the problem. Also, the penalties and consequences of using a fake number can be more serious than you assume. 

What does a fake car insurance policy number look like? 

Each car insurance company identifies its customers using a unique policy number which contains 9-13 numbers. Fake car insurance policy numbers are either too long or too short. If you need auto insurance policy assistance, the agents need to look up your number. 

How to Identify a Fake Car Insurance Policy Number?

Why do people use fake car insurance policy numbers? 

In the excitement of getting a new car, most drivers delay getting an insurance policy. Instead, they go for fake car insurance policy numbers, which, even though they are pricier, are easily available. 

Scams using fake car insurance policy numbers 

Though there are plenty of scams that happen due to fake car insurance policy numbers, here are some of the common ones: 

  • Arson for profit– A car driver deliberately causing damage to reimburse the insurance amount. 
  • Disaster fraudulence– Collecting insurance amounts in the name of a natural calamity and not repairing the damage. 
  • Drive down– On signaling that a vehicle ahead is OK to proceed, then bumping into the car. 
  • Hit and run– Blaming another vehicle for a pre-damaged car. On escalating the issue to the police, they find it difficult to track the details of the accused driver. This information gap happens because he might be driving with a fake car insurance policy number. 
  • Fabricated accidents- Drivers make accusations of fake accidents using false car insurance policy numbers to get better premiums. 
  • Destroyed vehicles- Drivers may also claim against disaster loss rather than the actual loss or collect money they never use for repair. 
  • Exaggerating the loss- Some drivers exaggerate the loss or damage without producing proof using fake car policy numbers. 
  • Medical fraud- There are cases of medical fraud where drivers take the help of medical practitioners and create a false incident of collision or injury. Following this incident, the doctors prescribe many follow-ups that never happen. 
  • Property fraud- The same insurer visits several providers in the name of an accident or collision, thereby collecting all the claims. 

What happens if DMV catches you lying about your car insurance policy number? 

Lying about your car insurance policy number or creating a fake number is an offense. The DMV cancels your license if something like this happens.  

How to track a fake car insurance policy number? 

It is easy to find your car insurance policy number, which you may see on your insurance cards or documents. Similarly, you may also check your account online to trace your number. In short, there are many ways to spot a fake number. Here are some easy ways: 

  • Even though you may be able to find and access the insurance details, the DMV may not have access since your provider prefers to keep the data private. 
  • Moreover, the name of your insurance provider says it all. A rare or unfamiliar insurance provider name makes it evident that you’re holding a fake number. 
  • If the information format on your card is wrong, again, you can confirm that yours is a fake number. 
  • Also, a fake car insurance policy number can have many typos and spelling errors, which may increase inspectors’ suspicions. 
  • Another way to differentiate between original and fake policy numbers is by scanning the bar codes. 
  •  If a local and fake insurance provider issues you a card, the vehicle inspectors may catch you by the provider’s name. 

Risks of using a fake car insurance policy number 

A fake car insurance policy number can put your driving at risk. Here’s what happens: 

  • Suspension of your driver’s license. 
  • Cumulative fines. 
  • You may have to compensate for the loss or injury of other drivers in case of reckless driving. 
  • Lack of auto insurance coverage and additional benefits. 
  • Ineligibility to a new car insurance policy number in the future. 

Who verifies your insurance claim applications? 

The claims investigators cross-verify the information for the applications they receive. 

To whom can I report a fake car insurance policy number? 

Never hesitate to report a fake car insurance policy number. Reporting such offenses ensures your safety as well as the safety of the other drivers. Here are some organizations that may help you: 

  • NICB- Approach the NICB and confirm the identity of your car insurance provider. 
  • CAIF- Keep in touch with the Coalition Against Insurance Fraud. This agency works closely with Government agencies, public organizations, and insurance providers. CAIF aims to secure the privacy of drivers. 
  • NAIC- The National Association of Insurance Commissioners is a group that aims to serve the public interest and eliminate all possible fraudulence. 

How to identify a fake car insurance policy number 

Here are some tips for identifying a fake car insurance policy number: 

  • Research and verify the background of your insurance provider. 
  • Take time to read the details of your car insurance policy. Clarify any clause which you find unclear with your provider. 
  • Before going to an insurance provider, check the insurance rates, coverages, and deals other providers offer you. Get your car insurance policy number only after confirming that you’re approaching a credible provider. 
  • Keep in touch with your insurance provider- If your provider delays the process, or cuts your benefits short, report the issue immediately. 

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