What are the penalties for a fake insurance card in Michigan?

My friend and I are taking a road trip to Michigan to visit some college friends and he told me he has a fake insurance card. I don’t think it’s a good idea to drive, but he doesn’t want to listen. What are the penalties if he’s caught?

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Answer provided by
Andrea Barrett
Answered on Jun 06, 2022
Valid insurance is required in all states, but if you’re caught with a fake insurance card in Michigan, you could be charged with insurance fraud.
If your friend is unable to provide proof of insurance, he will receive an administrative violation citation and be required to pay a $25 fee, and may be subject to additional fines if this isn’t his first offense.
Driving without insurance is classified as a misdemeanor and penalties are more severe. In Michigan, you could be charged with the following:
  • Driver’s license and registration suspension
  • Up to one year in jail
  • Fines and fees up to $500
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