Everyone MUST pay for insurance it is illigal to drive without it. (well thats how it is here in the UK)
Yes you do but if the owner of the car does have insuranceyou do not have to have it.? can you drive a car without a legal licensed driver being with you, check on that too.
hell no, its not even really needed for the liscenced drivers haha
In New York State all drivers must carry the minimum required liability coverage, unless you place $100,000 into a special bond.