Compulsory car insurance

I live in a country where it is compulsory for a driver to get a car insurance. If the driver can prove that he drove for 5 years without claiming any accident (= non claim bonus), the cost of the car insurance will be much cheaper.
1) I know that car insurance is not lawful in Islam. What a Muslim should do knowing that a)it is difficult and expensive for a Muslim family to use taxis or public transport b)you can be jailed for driving without a car insurance.
2) Some brothers have driven in their countries for 5 years without claiming any accident but they cannot prove it (by getting a non claim bonus from their former insurance company). Some other brothers did not drive for 5 years without claiming any accident. Is it lawful for these brothers to falsify a document (a non claim bonus) in order to pay as less money as possible to the insuranc