Nationally, estimates are that 1 in 7 drivers in the US operate uninsured motor vehicles.
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If a vehicle owner doesn’t owe the entitiy that provided the loan, or paid cash for the vehicle, they only have to have LIABILIY insurance. Motor vehicles do not otherwise require insurance. It’s the drivers that must have liability insurance. If their own vehicle is damaged, the cost to fix the problem is out of pocket.
Okay.... I posted my earlier comments based on what I saw in the original post. ......After reading the comments, I realized this was not a serious topic. Sorry. My comments in #14 stand, however.