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It varies by State. However, the offense is generally a violation of the Financial Responsibility Code of the State. Commonly, conviction of the offense results in the suspension of the offender's license until such time as he/she obtains the required insurance. This is frequently an SR-22 which is a high-risk form of liability insurance; it is more costly than standard liability insurance.

Again, depending upon the jurisdiction, conviction also results in the imposition of a fine, the payment of court costs, and points on the offender's license.

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