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and submit any reports to the National Motor Vehicle Title Information Database (NMVTID). If you are not sure if you are covered, call your Agent/ Company to confirm coverage. PROCIPLES FOR REGISTERING YOUR VEHICLE: Checklist to Follow: Check the Motor Vehicle Manufacturer's Certificate of Origin (MVCO). If the vehicle is a motor vehicle, the license plate, make, model, year, make, color, and other information from this document should match the documentation that is in your possession. The MVCO will show you what type of vehicle this is. If the MVCO does not show the vehicle's make, model, year, make, color, and other information, the vehicle is not eligible for coverage. Verify that an insurance company name and address matches the information on the MVCO and on your insurance policy. Note: Make sure any other insurance information for the vehicle is listed on this list (title insurance, liability insurance, auto insurance). In some situations, one insurance company's coverage may be more than another's. To find your insurance company's policy number check the Certificate of Insurance or the owner's contract at the Department of Motor Vehicles (DMV). In order to apply for coverage, you may need to obtain a MVCO for any of the following vehicles: All vehicles older than 10 years old as defined in California Vehicle Code Sections 17800 to 17805. All vehicles with engine type (such as a gas guzzler) or engine displacement over 5500 cc not titled or manufactured under a certificate of title. Any vehicle titled or manufactured under the Vehicle Code. Any other motor vehicle type except "personal delivery device" motor vehicles. A personal delivery device is defined as a motor vehicle designed to carry an individual who engages in activity for which an automobile may be registered. Any vehicle with a gross weight of more than 7,500 lbs. If an MVCO requires both "personal delivery device" vehicles and vehicles that are not eligible for insurance under California law, you will still need to find an insurance company in California to insure the vehicle. Remember to have the insurance company contact your agent and provide a proof of insurance to your agent. A list of insurance companies, phone numbers, web sites, web portals, and agents is available from your insurance company. You may also want to review the MVCO in your state of residency: California MVCO Michigan MVCO Florida MVCO Connecticut MV

Insurance on your car the legal answer is yes, but investigators say fraudsters are now driving around with proof of insurance that looks authentic, but it isn't the real deal for in your corners Lisa Greenberg looking into this latest scam that's on the rise in our state and affecting your bottom line anyone who's ever been pulled over knows the first question law enforcement asked yes your driver's license registration and insurance please when you hand over your license the officer runs it through a database to make sure it's valid but what about your insurance card and on a traffic stop like this one there's no real-time way for law enforcement to detect whether an insurance card is fraudulent wait you know I don't have a database to put the card in and according to the State Department of Financial Services more and more criminals are taking advantage I'm seeing a lot more tips on and I'm getting a lot more complaints from DMV I'm getting a lot more complaints from the insurance industry the fake cards look just like the insurance cards you have in your wallet or in your glove box what does this look like to you that looks like an insurance card what if I told you one of these cards was fake you really can't — I could probably pull the wool over some somebody's eyes and people are buying the fake cards online for example investigators say this man 48-year-old Jordan Rogers sold six of these fake cards to undercover detectives in Pinellas Park he posted an ad on Craigslist reading quote do you need proof of car insurance I can help, so you don't get another ticket for driving without insurance this is only proof of insurance not actual insurance and Rogers is just one of many accused of doing this in Florida I see them every day the people buying these insurance cards are usually looking for a frugal fix if they ever get pulled over I didn't have the money for a real policy, or you know it was cheap and quick, and I didn't feel like paying the insurance information institute says more than 20% of Florida drivers drive without car insurance it's quite prevalent that traffic stops that we do see that reason why stop and use for violating need lieutenant Greg Buena is with Florida Highway Patrol is this the only card that you have insurance card and says that a crash scene or a traffic stop he and other troopers check the cards as best they can the next step that I would do is just make sure that this insurance card is indeed assigned to the vehicle that we have pulled over he tells me if someone knowingly drives around with a fake proof of insurance card it's a misdemeanor your license could be suspended, and you could face jail time, but it's a crime that costs all of us if you have an accident if somebody doesn't have legitimate insurance your insurance company's going to pick up the tab for that, so that's where it's hurting us it's holding us with the higher performance and investigators say fraudsters can make up to $200 per card in this...