I had a friend who got a ticket for driving without proof of insurance. He had insurance, but didn’t have the proof with him. He forgot about the ticket and then realized he hadn’t taken care of it. He just paid the ticket instead of providing proof that he had insurance at the time of the ticket. Then he got hit with the DRP fees. He can PROVE that he had insurance at the time, but that doesn’t matter now.
Then the state offered an amnesty program to help people who couldn’t afford the fees. But he has a job, so he doesn’t qualify.