In most states even though you and your ex-husband are uninsured for this vehicle your ex (the car's owner) can place a claim with the at-fault party for the damages they caused to the vehicle when it was rear-ended. There are some states, such as Louisiana, though that have "no pay, no play" laws that do not allow you to place a claim through the other person's insurance for the first X amount of damages (in Louisiana it is the 1st $10,000) since you were driving without insurance.

You and your ex might receive penalties if you were cited for driving an uninsured vehicle. The insurance policy he has on other cars that he owns, which you are listed as a driver on, would not cover this vehicle since premiums were not paid for it. So proof of insurance on other vehicles would not cover this one.

Penalties for driving an uninsured car vary by state but can include fines, license suspension, registration suspension and a mandate to carry an SR-22.

If you do purchase this vehicle make sure that the tags are not suspended due to insurance lapsing. To get an auto insurance quote follow this link.