Not at all how it will work for a large enough accident. You present proof of insurance and it's over...until the other party contacts your carrier to only find you don't have coverage. Any attorney 1st day out of law school will figure out that you provided the officer with a false copy of your insurance and contact the police department. It may or may never happen...just depends on what kind of person you choose to be. There are people who rob banks and don't get caught....wouldn't want to live that kind of life either.