A driver who does not have a valid drivers license will be fined and charged, this has nothing to do with a car that is insured, if the driver is caught and cannot prove that the car is insured the fine will be doubled or tripled. No sane person would drive a car without a valid license or insurance, no matter what part of the civilized world you live in.
Is this about an auto accident? Are you a young driver who didn't yet have a regular license and was driving with only a learner's permit? What do you mean "you aren't insured"? Drivers aren't insured; vehicles are. Was the car insured or not? If not, what were you doing driving it, and what makes you think there's even a remote chance that insurance will pay? (Unless you're talking about the other driver's liability insurance -- assuming there was another driver.) Or are you some sort of contractor who was working on some sort of job without a work or construction permit?
Yes, but you will be driving illegally. Regarding insurance on written on a personal auto policy, if an insured driver gives you permission to drive their insured vehicle, their insurance covers your liability in an accident. The coverage extends to anyone, whether they are a legal driver, 4 years old, don't have a license, or are blind. However, you need a license to drive in order to be legal.Added: What the question is missing is a statement that you ALREADY HAVE a drivers license or learners permit. If you do NOT have one, you cannot drive under ANY circumstances. As for insurance - it is not the licensed driver that requires insurance, it is the VEHICLE which must be insured.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
The correct answer to this varies from state to state. Some US states have omnibus laws that require insurance companies to extend coverage to any legal driver whether that particular driver is personally insured or not, as long as the vehicle itself is already insured by someone. [JMH] No as far as i KNOW THEY CAN'T DRIVE UNLESS THEY ARE INSURED
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