If the law requires you to have insurance (Auto Liability) or someone else does (your mortgage company, your auto lender) you could be in hot water if you don't have it. Otherwise, you don't have to have insurance.
Ethically any doctor has to take someone without insurance. As long as they have intention and means to pay somewhere down the road, they aren't "supposed" to care.
Who knows. Even if they do, you have no insurance coverage and they have wasted their money. The insurance company can not and will not pay any claims arising out of any incidents with a vehicle that does not belong to to the policyholder. Purchase your own insurance. It is a legally binding contract in which you state that you own the vehicle and that you have listed all household members and/or drivers and that you agree to notify the insurance carrier of any changes to such.
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
A non-owner's insurance policy basically enables someone to get insurance so they can get a license or for any other purpose they need to get auto insurance without owning a car. It covers you in any car that you drive, even if you do not own the car. It is basically a general insurance for drivers because some people who drive do not own cars.
In most cases it would not go up. However, some insurance companies give a discount for having no claims and in that case any claim at all would make you loose the discount.
Insurance quotes can be compared in various online sites. These sites do provide genuine help in recognizing the rates of different insurance providers. Anybody can compare the rates without any registrations or sign in process.
If you have an accident and you are driving without insurance then you will not be bale to get any help towards the repairs of the vehicle. If another vehicle is involved you will be liable to pay for the cost of that one as well. If someone is injured they may make a compensation claim for their injuries and you will have to pay for that as well. In some countries driving without insurance is illegal and so you could face criminal charges too.
Depends on the state and also the insurance company. Most companies will cover any vehicle that you operate to an extent, however, in the majority of states, you can't register a vehicle (put license plates on it) without having liability insurance on that vehicle. Check your state laws.
Your insurance would be liable. same qusetion but what if the car didn't have any insurance on it? In this case, both the driver and owner are in deep doo-doo. Injured parties will sue both.
No.
Ask an insurance company for a "broadform" policy. That will cover you for any car you drive. Yes, although it's rather pointless. Why pay for insurance on something that you don't even have or own ... there is no need. If you drive someone else's car, you are covered under their insurance policy, provided you have their permission to drive it.