I think they will still "have" to pay the claim .. but it will give you ZERO room to negotiate, and they pay bottom dollar.... Also I assume if they "catch you" they might drop ya like a hot rock ....
And you would have to deal with the ticket for no license which could include up to revoking your license for up to 1 year and "mandatory" jail time ( doubtful for a first offense but anything is possible).
Or if you know how to ride.. spend the 15-20 bucks and take the test at the DMV and avoid the whole problem ....






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