Driving without valid automobile insurance in Ontario carries some of the steepest mandatory fines under the Provincial Highway Traffic Act. For a first offense, the statutory mandatory minimum fine is 5,000 dollars, scaling up to a maximum of 25,000 dollars, plus an additional mandatory 25 percent provincial victim fine surcharge. For repeat offenses committed within a five-year window, the minimum fine increases to 10,000 dollars with maximum penalties reaching 50,000 dollars, alongside immediate roadside vehicle impoundments and license suspensions.
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