Going through so much trouble to not have a license… Wow.
I had to look it up to see if you can buy a car without a driver’s license… It looks like depending on your jurisdiction, you can buy a car but you must have auto insurance. And you can purchase car insurance without a driver’s license. TIL.
you only need insurance if you’re financing the car. otherwise you’re “self insuring”.
Massachusetts requires insurance to register a car: there’s like half a dozen itemized minimum coverages
It was a real hassle a couple decades ago when they combined license, registration, and insurance requirements, while also no longer sending reminders. A lapse in one meant the rest were dropped and made it that much harder to fix. For example drivers license expires every four years, but without a reminder, you may forget. But an expired license may discontinue your insurance, so now you’re driving without coverage for a month until that gets sent out. Now your registration may also be canceled because of lack of insurance, so you have to renew all three and in the right order
In most US states you’re required to carry at least Collision Liability Coverage that covers other people and property but not your own.
When financing a car the company usually requires the more expensive Comprehensive Coverage instead of only Collision Liability.
Virginia does have an annual uninsured motorist fee for now but that’s going away soon from what I know.
Do they use different terms for the coverage in different states?
In the places I’ve lived, you have to have what’s called liability insurance at a minimum, and that’s the one that covers other people’s property but not your own.
Around here, collision coverage is to reimburse you for damage to your own car/property in the event of an accident (collision with another vehicle), and comprehensive coverage is to handle some of the other non-collision damage (like from hail).
