UK - well prob 6 points on your licence a big fine and a conviction. You being left to foot the bill for your own repairs, possibly getting sued by the other party for their losses and difficulty in obtaining insurance at a reasonable price for a considerable period of time.
You should have put a reminder in your diary, insurance due date as a prompt for you so you dont forget if they dont automatically send you a renewal quote.
Unless you never bothered about insurance at all, which is a bit irresponsible to say the least, good job no one was killed.
But I see youre in Afghanistan so youre probably ok, never knew they did insurance there, just shot you instead.
Obviously insurance is there to help you recover any loses you may have if involved in an accident, theft or fire damage of your vehicle. But ultimately it's to cover the loss of damage or life that you might inflict on other road users, property or street furniture if you have an own fault accident.
It will also/should cover you from the cost of any damages inflicted by other road users who not insured.
As the others have pointed out here in the UK vehicle/driver insurance is a legal requirement. In certain parts of the world I guess it's sometimes an option.
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