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A warning shouldn't affect your insurance rates. Usually one ticket won't either, unless it's for reckless driving or something serious.
If you're on private property, the cop probably couldn't give you a ticket anyway.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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