What penalties does an excluded spouse on auto insurance incur once their licence is reinstated and they try to obtain auto insurance again?

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ther are no penalties for the situation you describe. All drivers are subject to the same rate structure. Violations within the last 3 to 6 years depending on the insurer are generally surcharged regardles of a license suspension or not. Suspensions lasting ten years are more may result in the person being rated the same as a newly licensed driver.
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