The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. Car insurance is mandatory in Connecticut, but some drivers break that law or simply don't have enough insurance to cover all of the expenses related to the accident. However, the responsibility may fall on the friend who keeps your car if they have their own car insurance. If they cause damage in that situation, their insurance policy would be the main coverage, while yours would be the secondary coverage, as long as you can show that you didn't give them permission to use your car.
The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. In most situations, driver's insurance plays an important role regardless of the car you're driving and who caused the accident. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
If you're at fault for a car accident, your liability insurance pays for repairs to the other driver's car and will likely cover the doctor's bills if you're injured. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. However, there are some situations where car insurance follows the driver, such as when car insurance limits are exceeded, in which case driver coverage can be used to cover gaps. Uninsured or underinsured motorist insurance provides you with additional coverage if you have an accident with a driver who has limited or no insurance of their own.
In that case, your insurance would only have to take effect to cover gaps in your insurance policy or if your insurance ran out before the damages were fully covered. Not having car insurance in many states can make you a high-risk driver when buying car insurance. Some states require drivers to have PIP or MedPay, while collision insurance is often mandatory if you rent or finance your car.