Driving in an uninsured car has serious and expensive consequences.
You will receive a traffic violation. Your license can be suspended.
The police can tow and impound the vehicle. The vehicle can't be released until proof of insurance is procured. The impound fees add up quickly and the tow company can send your car to auction if the fees are not paid within the statutory time period for your state.
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No. Your auto coverage is specific to the vehicles you insure. If you're driving a friend's car and he or she let the insurance lapse, or never had insurance, you can't cover them.