Driving without a muffler can lead to several issues, primarily increased noise and potential legal problems due to noise regulations. It can also affect engine performance, as the exhaust system is designed to manage back pressure. Over time, running without a muffler may result in damage to other components, such as the exhaust manifold and oxygen sensors, due to the excessive heat and vibrations. Therefore, it's advisable to replace a damaged muffler promptly.
In extreme cases, it can blow the muffler wide open.
Plugged muffler ot cat converter
Damage. Hole. Perished gasket. Incorrectly fitted. Corrosion.
You may if the noise level is too high. But that is the least of your worries. A defective muffler may cause your death or at the very least an accident. A muffler with a break or hole in it will allow carbon monoxide to enter the passenger compartment of your vehicle, especially if you are driving with the windows up. Carbon monoxide is odorless and tasteless gas that kills. This will cause you to feel sleepy and will eventually cause you to loose control of your vehicle. Get the muffler replaced ASAP.
It will eventually seize the pump up and may cause damage.
A clogged muffler can.
I do not believe that your exhaust system should in any way cause your toque to become loose. Driving with your windows open would be far more likely to loosen your toque.
leaking or cracked manifold
A hole in the muffler would cause a knocking sound in your muffler. A loose exhaust pipe can also cause a knocking noise.
insurance
No. It will cause a problem with both back pressure and noise.
no oil in engine or water in radiator will cause engine to seriously o/heat! and eventually seize! major engine damage!!