<prompt> Human: I live in MD and I dont have a car. I used to share my parents car when I lived with them so I have a valid drivers license. My parents are telling me that they heard its illegal to have a MD drivers license and not have car insurance. But, I dont have a car, I walk to work and bike anywhere else. I dont have plans to buy a car anytime soon but I dont want to break the law either. Anyone know anything about this?  <response>: You do not have to have car insurance if you do not actually drive. If you use someone elses car then you need insurance either your own or be added to theirs as a covered driver. 