Does Every Driver Need Car Insurance? 
The short answer is yes , every driver needs to be insured . Now , this does n't mean that every driver must purchase their own policy . Family members who live in the same household can usually be covered under the same policy . The reason every driver needs to be insured is that every driver has an exposure . Every time you drive a car , there is a chance that something could happen . There could be damage to a car , damage to property , or an injury to you , or to someone else . The only way you can be sure you 're protected is t be covered under an auto insurance policy . Find an agent you can trust . They 'll be able to build an auto insurance policy that protects you from most things that can happen while driving a vehicle . 