Reporting Fake Automobile
Insurance Identification
Auto
Cards and Binders



Liability
If you become a victim, or have information
that can help stop the manufacture or pos-
session of fake automobile insurance identi-
Insurance
fication cards and binders, contact:

Nebraska Department of Insurance

Insurance Fraud Prevention Division

941 O Street, Suite 400

Lincoln, NE 68508-3639
Telephone: (402) 471-2201
Manufacture
Facsimile: (402) 471-8335
E-mail: fraudprevention

or Use of Fake
1. Request a "suspected fraudulent claim
report" from the Insurance Fraud Preven-
Identification
tion Division.

2. Supply any documents or evidence that
Cards is a
support beliefs that the identification
card/binder may be fraudulent. Maintain
Crime
original documents unless instructed oth-
erwise by an investigator.

Reports of fake automobile insurance identi-
NEBRASKA DEPARTMENT OF
fication cards and binders can also be made
INSURANCE
to:
INSURANCE FRAUD PREVENTION DIVISION
Nebraska Crime Stoppers
941 O Street, Suite 400
(800) 422-1494
Lincoln, NE 68508-3639

www.doi.ne.gov
or to local law enforcement.



Telephone: 402-471-2201
Facsimile: 402-471-8335
E-mail: fraudprevention
OUT07162
02/07

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Definition of Insurance
Definition of Insurance
Criminal Remedy: Class I misdemeanor

(1 year imprisonment and/or $1,000 fine)

Fraud

A contract that an insurance company pro-

Source:
vides for a fee to cover any loss suffered

Laws 1995, LB 385, § 10
by accident or loss by the insured party.
Insurance fraud is any deliberate deception
committed against or by an insurance
Laws 1997, LB 272, § 1

company, insurance agent, or consumer for
Laws 2000, LB 930, § 1

the purpose of unjustified financial gain.
Laws 2002, LB 547, § 1
Proof of Financial
This occurs during the process of buying,

Responsibility
using, selling and underwriting insurance.
Cross References:

Comprehensive Health Insurance Pool


Act,see section 44-4201.


Intergovernmental Risk Management Act,
Nebraska law requires all registered motor

see section 44-4301.
vehicles (autos) to maintain proof of finan-
Fraud Involving Auto

cial responsibility (insurance).
Liability Insurance Identifi-
Revised Statutes Cumulative Supplement

2004
Neb.Rev.Stat. §60-346
cation Cards and Binders





60-346. Proof of financial responsibil-


ity, defined.
Neb.Rev.Stat. §28-631(1)(g) and (h)

Red Flags of Fake Auto

Proof of financial responsibility means
28-631. Fraudulent insurance act; penal-
Liability Insurance Identifi-
evidence of ability to respond in damages
ties. (1) A person or entity commits a
for liability, on account of accidents
cation Cards and Binders
fraudulent insurance act if he or she:

occurring subsequent to the effective date



of such proof, arising out of the ownership,

Manufacturing Fake Automobile Insur-
maintenance, or use of a motor vehicle, (1)
· Agent may request direct payment of
ance Identification Cards and Binders:
in the amount of twenty-five thousand
premiums in cash or by money order.
(g) Knowingly and with intent to defraud or
dollars ($25,000) because of bodily injury

deceive issues fake or counterfeit insurance
to or death of one person in any one
·
Policy or permanent identification card
policies, certificates of insurance, insurance
accident, (2) subject to such limit for one
not received by insured.
identification cards, or insurance binders;
person, in the amount of fifty thousand


dollars ($50,000) because of bodily injury
·
Suspicious looking policy or identifica-
Criminal Remedy: Class IV felony (5 years
to or death of two or more persons in any
tion card. Documents may appear to
imprisonment and/or $10,000 fine)
one accident, and (3) in the amount of
be copies or fashioned in such a way

twenty-five thousand dollars ($25,000)
that they do not seem to go together.
Possessing Fake Automobile Insurance
because of injury to or destruction of

Identification Cards and Binders:
property of others in any one accident.
·
Insurance identification card and/or
(h) Knowingly and with intent to defraud or

policy information does not contain


deceive possesses fake or counterfeit insur-
complete information.
Source:
ance policies, certificates of insurance, insur-

Laws 2005, LB 274, § 46
ance identification cards, or insurance bind-

Effective date September 4, 2005.
ers;
Revised Statutes Supplement 2005

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