1. No, but I have a pretty good understanding of the economic situation of my friends and would be very surprised if they are not in compliance with insurance r

1. No, but I have a pretty good understanding of the economic situation of my friends and would be very surprised if they are not in compliance with insurance requirements. Some guy who just drives up to my house, not so much. 2. There is something called "uninsured motorist insurance" which covers a variety of situations caused by drivers without insurance. You'd have to check the details of a given policy as to this situation. Even without that, your health, disability, and life insurance should apply.