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

My friend is tight on money right now and is trying to skip out on paying for insurance by fashioning a fake card. I want to explain the repercussions to her, but I’m not sure what they are. What are the penalties in Missouri for counterfeit insurance documents?

avatar
Maxine Boyko · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Fake proof of insurance
is illegal in
Missouri
and has serious consequences if you’re caught.
In Missouri, fake insurance imposes Class E felony charges with no prior convictions. If charged with the offense, your friend could spend up to four years in prison and face steep court-ordered restitution and fines.
Second and subsequent insurance fraud offenses are classified as Class D felonies. A conviction can carry up to seven years in prison in addition to fines and license revocation.
Any way you cut it,
car insurance
is necessary to
legally drive in Missouri
—and if it’s not authentic, you’re committing bona fide insurance fraud. You can avoid steep financial penalties and keep your rates low with
Jerry
.
View full answer 
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