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Do I have to be insured eventhough I am not driving any car eventhough I am a dependent?

Question Details: I recently got into a wreck. My car isn't not drivable and I am not able to fix it. I am a dependent and my parents are saying that I must pay insurance eventhough I am not driving any car and I told them to take the car off the policy. They say the insurance company said it was a state law. Is this true?

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