Driving Without Car Insurance Maryland MD

Reader’s Question:

I borrowed my friend’s car here in Maryland, but his car doesn’t have insurance. Is it unlawful to drive it?

Brennan

Baltimore, MD

Yes, Brennan, it is definitely unlawful to drive a car that doesn’t have car insurance. You should know that most states require drivers and car owners to have at least the minimum car insurance coverage mandated by state laws. Your car insurance should be valid, and of course you should also have a valid registration. So, if the car you’re driving is not insured, it could mean that the car’s registration has been suspended.

And even though you have insurance, your policy is attached to your own car, which covers you or possibly your other licensed family members. So, if you drive an uninsured car and you get into an accident, your car insurance policy may not be able to cover you–unless the car that you drove was listed on your insurance policy as an additional vehicle. But otherwise, if you get caught driving an uninsured car by traffic police, you will be charged with Driving Without Insurance. So, just to be on the safe side, if you really need to drive a friend’s car because of whatever valid reason you may have, just make sure that you are listed on the car owner’s policy as a secondary or additional driver for that particular car so that when accidents happen, or if you get pulled over by cops, there will not be too much of a problem.

Try calling your local insurer there in Maryland, so you can clarify the details of your policy And drive safe!

Tags: car insurance, driving without insurance, traffic violation