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So I was pulled over by a cop for an expired license. I received a fine of $325 for this.

I also had cancelled my insurance previously because I was in and out of work and finding it tough to afford.

The caveat here is that when asked for registration and proof of insurance I handed him an insurance card that stated it was still active.

The officer found out later and phoned me and to make sure I didn't just switch insurance companies he also said to expect a Summon shortly.

I was nervous on the phone and tried to get away with it.

I am 26 with no priors. Speeding ticket a couple years ago (had insurance in that instance)

First question is Should I be worried about receiving jail time?

Secondly what are my chances of getting the fines reduced?

Thanks.

1) That's very dependent on what you've actually been charged with. If it's strictly for the offence of not having insurance, I believe it's just a fine (albeit a large one) associated with the offence. If you've also been charged criminally for obstructing police (by providing a false statement) then it's a possibility, but still unlikely if you've never had any prior police dealings.

2) I'd say unlikely, especially since you mislead police. You may want to consider hiring a paralegal to represent you, since the minimum fine on a first offence is $5,000.