Introduction
Auto insurance protects drivers from financial loss caused by accidents or damage. Nebraska law requires all registered motor vehicles to maintain proof of financial responsibility. This page will explain what auto insurance is, how to spot fake auto insurance identification cards, and how to report suspected insurance fraud.
What is Auto Insurance?
A contract provided by an insurance company for a fee. This will cover certain losses suffered by the insured party due to accidents or other covered events.
Proof of Financial Responsibility in Nebraska
Nebraska law requires all motor vehicles to maintain proof of financial responsibility, also known as auto liability insurance.
Under Neb.Rev.Stat § 60-436, proof of financial responsibility means evidence of the ability to respond in damages for liability arising from the ownership, maintenance, or use of a motor vehicle for accidents occurring after the date of coverage.
In Nebraska, the minimum required coverage amounts are:
- $25,000 for bodily injury or death of one person in one accident
- $50,000 for bodily injury or death of two or more persons in one accident
- $25,000 for injury or destruction of property of others in one accident
Fake Auto Insurance ID Cards
Fake or counterfeit auto insurance cards may be used to falsely show proof of insurance. These documents can place drivers, law enforcement, and the public at risk.
Warning Signs of Fake Insurance Documents
Watch for red flags that may indicate fraudulent ID cards:
An agent requests payment of premiums in cash or by money order
The insured does not receive a policy or permanent insurance ID card
Documents appear altered, copied, or mismatched
Insurance ID cards or policies contain missing or incomplete information
If you suspect fraud, report it immediately.
What is Insurance Fraud?
Insurance fraud is any deliberate deception committed against or by an insurance company, insurance agent, or consumer for the purpose of unjustified financial gain. Fraud may occur during the buying, using, selling, or underwriting of insurance.
Nebraska Law and Criminal Penalties
Under Neb.Rev.Stat § 28-631(1):
Manufacturing Fake Insurance Documents
Knowingly issuing fake or counterfeit insurance policies, certificates, ID cards, or binders with intent to defraud or deceive is a Class IV felony, punishable by up to one year imprisonment and/or a $1,000 fine.
Possession of Fake Insurance Documents
Knowingly possessing fake or counterfeit insurance policies, certificates, or ID cards with intent to defraud or deceive is a Class I misdemeanor, punishable by up to one year imprisonment and/or a $1,000 fine.
How to Report Suspected Insurance Fraud
If you are a victim of insurance fraud or have information related to the manufacture or possession of fake auto insurance identification cards, contact:
Nebraska Department of Insurance
Insurance Fraud Prevention Division
Phone: (402)471-2201
Fax: (402)471-8335
Email: fraudprevention@doi.state.ne.us
Reporting Steps
- Request a suspected fraudulent claim report from the Insurance Fraud Prevention Division
- Provide any documents or evidence that supports your belief the insurance ID card may be fraudulent
- Maintain original documents unless instructed otherwise by an investigator
Additional Reporting Options
Reports of fake auto ID cards may also be made to local law enforcement agencies or to Nebraska Crime Stoppers at (800)422-1494.
