A have a full legal license.what would happen if i was caught driving without?

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Car insurance?

Normally the officer could check the computer and confirm that you have a valid license, and would then give you a warning for driving without it on your person. Some may be hard cases and give you a ticket, but you should be able to take the ticket and your license to the court and get it dropped, just paying minimal court costs.

How cheap can u get?

Depending on where you are, you will get a fine or a warning, in Nova Scotia I believe it is $180.00 for driving without your license in your car. You might just get a warning if you end up with a nice cop.

I've lost my paper counterpart...?

You have 24 hours to bring it in....
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