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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 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 bueno 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... 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