When is it legally necessary to have insurance while operating a vehicle?

It is legally required to have insurance in all states when operating a vehicle because auto insurance serves as a financial protection for drivers and other road users in the event of an accident. Each state has its own minimum requirements for the type and amount of insurance that must be held, but operating a vehicle without insurance generally violates state law. This requirement helps ensure that all drivers can cover potential damages or injuries that might occur from a vehicular accident, thus promoting responsible driving and accountability.

The rationale for such laws is tied to the necessity of protecting all individuals on the road, including pedestrians and other drivers. By mandating insurance, states can help reduce the financial impact of accidents and ensure that victims can receive compensation for damages or medical expenses.