What would happen if I changed the date on my insurance card?

"I let my insurance lapse, but want to get new insurance now. The other company will give me a discount for having prior insurance, but they need to see proof that I've had insurance continuously.

What would happen if I sent them my insurance card with the date changed?"

“By changing the date on your insurance card, you would be committing insurance fraud as well as forgery.
While insurance carriers require proof, they could still follow up with your prior insurance carrier to confirm. If they do that and find out that you lied, your policy will be cancelled. They could also report you to the Department of Financial Services for fraud. If reported, you can face fines and jail time.
Your car insurance rates would also be significantly impacted. It may be hard to find an insurance company that would insure you after being charged with fraud.
While it may not seem like a big deal, what you may save isn’t worth the serious repercussions you may face.
If you can’t afford your new insurance policy without the prior insurance discount, you should continue to shop around.”
Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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