New York Driver License (DMV) Written Practice Test

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Ace your New York DMV written test! Prepare for the exam by practicing hundreds of multiple-choice questions covering traffic laws and road signs. Boost your knowledge, gain confidence, and increase your chances of passing the test on your first try.

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What is the penalty for driving without valid insurance?

Warning and no further action
Fine and possible license suspension
Mandatory traffic school
Community service requirement

The correct answer is: Fine and possible license suspension

Driving without valid insurance is a serious offense because it not only puts the driver at financial risk but also endangers other road users. The penalty for this violation typically includes a fine, reflecting the need to enforce responsible driving behavior and ensure that all drivers carry the necessary insurance to cover damages in the event of an accident. Additionally, the penalty may involve possible suspension of the driver's license as a further deterrent against operating a vehicle without insurance. This consequence is designed to emphasize the legal requirement for drivers to maintain valid insurance and protect the interests of all road users. Ensuring compliance with insurance laws is fundamental to promoting safety on the roads, and the penalties reflect the severity with which such violations are treated by law enforcement.