No, if you never drive, you don't need insurance. You need insurance if you own a vehicle. And, if you drive someone else's car and get in an accident and don't have insurance it could be a big mess. Call a few insurance agencies and see what they recommend if you plan to drive at all.
And, if you do not drive at all, you might want to reconsider the added expense (small though it might be) of obtaining a driver's license when a state ID will satisfy any potential legal requirements for carrying identification.
Often out of state tickets will not show up on your license if you just pay them. Failing to pay a ticket brings it to the attention of the state, and it gets put into the state drivers license database. Once that happens, the insurance companies get a copy of it and it affects your insurance rates.
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.
Provisional license insurance is insurance for people who have a provisional drivers license. A provisional license is for drivers under the age of 16 who are driving with a learners permit or a person who has previously had a license revoked or suspended and who has recently obtained a new license.
i'd say both you not that much but who wrecked it is the one to put the blame on The insurance is for the car regardless of who is driving. It will be the first to pay. If it doesn't cover enough, the person driving can be tapped for the remainder. If the person driving does not have a license, the owner of the car has to pay out of their own pocket. The insurance company does not have to pay.
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