Originally Posted by mamadelbosque
Maybe the laws vary somewhat from state to state, but in OH at least, if your are driving a motor vehicle you MUST have insurance or other proof of financial responsiblity - ie either your uber rich and can easily pay for whatever damage you incur, or you buy insurance. Period. Its illegal to let someone else drive your car if they don't have insurance. So. If you don't have insurance: THEN DON"T FRIGGING DRIVE A CAR! PERIOD!!!!!!!!!
In general, in the US:http://www.carinsurancerates.com/ask...he-driver.html
My girlfriend borrowed my car while I was out of town and got in an accident. Will my insurance cover the damage since she was driving?
Someone else is driving your car and has an accident. Who is responsible? Does the driver’s insurance pay for the damages or does your insurance foot the bill? The issue of insurance coverage when driving another person’s car is a common one, but the answer is fairly simple: car insurance follows the vehicle. Said another way, car insurance follows the vehicle first and then the driver. As long as the driver had permission to drive the vehicle, the policy covering the car should pay for any property damage and/or injuries. Read on for a more detailed explanation of when coverage applies.
But yes, it actually appears that IN OHIO, the state insurance laws are different.http://www.bmv.ohio.gov/financial_re...quirements.htm
So. If you don't have insurance: THEN DON"T FRIGGING DRIVE A CAR! IN OHIO!!!!
Otherwise, check your state and local laws, and don't make unilateral statements about per-state legalities online.