I'm wondering about the legality of a system like planka.nu (Swedish subway fare dodgers) (More info here: NPR article and Planka.nu site) as they would be implemented in the USA. Is there any law or regulation that might restrict or prevent the formation or operation of a cooperative that charged a fee in exchange for agreeing to cover the fines associated with summary offenses?

2 Answers 2


The bigger concern would be economic. Most insurance policies don't cover any kinds of intentional acts, because compensating someone for a loss that they intentional bring into being when you only have to pay for insurance when you plan on intentionally incurring liability is usually a horrible business model. It creates a moral hazard on the part of the insured.

Sometimes policies like director and officer insurance will cover intentional act risks because the determination of whether an act is illegal is so uncertain that there is real uncertainty involved to insure against. But, there is no ambiguity about what is and is not illegal fare dodging.

Also, even if the system did work for a while, it would have to receive approval from state insurance regulators, who would probably decline to grant approval in this scheme, and it could also almost certainly be invalidated by a local government ordinance if it became a problem.

I don't agree that compensating someone for fines automatically makes someone an accessory to a crime (similarly, there are private organizations that pay bail for people accused of crimes, or help people avoid de facto debtor's prison by paying off minor fines that the debtor can't afford). Indeed, entities sometimes have insurance policies that compensate them when their employees, against company policy, commit crimes and incur fines. But, there are lots of legal barriers to the scheme proposed, and I doubt that it would work.


Yes. Assuming fare evasion is an offence, being an accessory to fare evasion is also an offence.

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    And reimbursing someone who is fined for an offence makes one an accessory to the offence? And there is such a crime as "accessory" to summary offences? (I can't wait to meet someone who was charged for "accessory to jaywalking.")
    – feetwet
    Feb 11, 2016 at 22:47
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    AAA's $1000 arrest bond for motor vehicle violations might be a model.
    – user662852
    Feb 11, 2016 at 23:04
  • @feetwet to encourage someone to commit any offence makes you an accessory; you are unlikely to be prosecuted for accessory to jaywalking
    – Dale M
    Feb 12, 2016 at 1:17
  • @DaleM That then feels more like counselling to commit an offence. Being an accessory after the fact is generally when the person knowingly assists a person that has committed a crime, and is helping them evade arrest or punishment. Or simply omitting to notify police.
    – Zizouz212
    Feb 12, 2016 at 2:26
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    Is there any case anywhere in which someone who agreed to pay for someone else's fine was found to be an accessory to the crime for which the second person was fined?
    – phoog
    May 12, 2016 at 6:42

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