* Insurance is for the car, not the driver: Your personal insurance policy covers you as a driver, but it only covers the specific vehicles listed on your policy.
* Financial risk: If you have an accident while driving an uninsured car, you could be personally liable for any damages or injuries caused. This could include:
* Repair costs for the other vehicle
* Medical bills for anyone injured
* Legal fees
* Lost wages
* Legal penalties: Depending on the jurisdiction, driving an uninsured car could result in fines, license suspension, or even jail time.
* Not all insurance transfers: Even if you have a "non-owned auto" coverage on your policy, it may not cover all situations. For instance, it might not cover you if you're using the car for business purposes.
In summary: It's important to ensure that any vehicle you drive has valid insurance coverage. Even if you're a fully insured driver, driving an uninsured car puts you at significant financial and legal risk.
