Unless an uninsured vehicle is added to a new or existing automobile insurance policy, it cannot be legally driven. Contrary to a popular myth, vehicle insurance does not follow the driver but is instead tied to a particular vehicle.
If an uninsured vehicle is involved in an accident, the owner of the vehicle is generally held responsible, not the driver. Some exemptions may apply, however. For instance, when renting a car which is owned by a company, not an individual, the vehicle may be covered. For specific details about what is and isn't covered, vehicle owners should consult their individual insurance policies.