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In most states it is unlawful to operate any motor vehicle without carrying some form of insurance that satisfy the minimum financial responsibility requirements for your particular state. Most states also have severe penalties for people who drive without insurance with the 2 most common penalties being a 1-year license suspension and impoundment of your vehicle, in which you have to pay a HEFTY fine to get it out. Also, if you were to have an accident with no insurance, not only could you be penalized as described above but you could be sued HEAVILY and be financially screwed for a long, long time.
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