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In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
No one can predict the future. You may loan your car to a friend, roommate, or family member, only to get a call that an accident has happened in your car. It is important to really understand your coverages and how car insurance works if another driver crashes your car. It can be confusing to understand who is covered to drive your vehicle.