After a person has been required to file proof of financial responsibility, he or she shall not thereafter be entitled to a renewal of his or her license, unless such proof or a renewal thereof is kept on file and in force, except as provided in section 809 of this title. Notwithstanding any other provision of this title, any person required to furnish proof of financial responsibility shall have his or her license or privilege to operate a motor vehicle suspended and shall surrender the license on the date that the insurance expires or is terminated. (Amended 1981, No. 180 (Adj. Sess.), § 2, eff. April 22, 1982.)