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Did he give her a notice of some sort to bring in her insurance papers? Maybe all she has to do is pay the fine for not having the papers with her (and it says 'up to') she got a nice cop. Get her insured immediately - that's my suggestion and while you're at it, count your blessings that it wasn't because of an accident that she got 'caught'.
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It says "failure to surrender insurance" 72hrs notice. Then it says Total payable $75. I am not sure if thats the fine she must pay if the 72hrs has passed or a fine ontop of the 72hrs.