Can I drive my mom's car without insurance if I have a driver's license

If you have a driver's license but no insurance, it is generally not advisable to drive someone else's car without insurance. While it may be legal in some states to do so with the owner's permission, there are significant risks involved. If you are involved in an accident while driving someone else's car without insurance, you could be held financially responsible for any damages or injuries that occur. This could result in fines, court fees, vehicle impoundment, and even jail time.

In addition, if the damages from the accident exceed the limits of the car owner's insurance policy, your own auto insurance may be required to cover the excess damages. However, if you don't have insurance, you may be personally responsible for paying these costs out of pocket. Furthermore, if you are caught driving without insurance, you could face penalties such as fines, license suspension, and the requirement to file an SR22 form.

Therefore, it is generally recommended that you have your own auto insurance policy if you plan to drive a car, even if it's not your own. If you don't have a car and don't plan to drive one, you may be able to purchase a non-owner auto insurance policy to provide coverage in case you need to drive someone else's car. It's always better to be safe than sorry, so it's important to have adequate insurance coverage before getting behind the wheel of a car.