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