Which term describes driving without any insurance?

The term that describes driving without any insurance is "uninsured." This term is specifically used to refer to individuals who operate a vehicle without any form of car insurance coverage. Being uninsured makes a driver legally vulnerable and can lead to severe penalties, including fines, license suspension, and increased liability in the event of an accident.

In the context of automobile insurance, other terms have distinct meanings: "underinsured" refers to a driver who has some insurance coverage but not enough to fully cover the costs of damages incurred in an accident. "Covered" denotes having insurance protection, while "liable" pertains to the responsibility for damages or injuries resulting from driving, which can apply to both insured and uninsured drivers based on their actions. Thus, "uninsured" accurately captures the state of lacking any insurance while operating a vehicle.