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this post was submitted on 03 Jun 2024
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The mandatory insurance tends to be liability insurance, for injuries. Insurance may not be mandatory on the cost of the vehicle itself. It would not surprise me if their insurer didn't want to write a collision policy until some time had passed. (Particularly since they also seem to be living in it, I'm sure that has an affect on insurance.)
It's not out of the realm of possibility that one of them had a CDL, there are all sorts of jobs that require them and the company would pay for the training. Heck, my local school district is always trying to find more bus drivers, they would pay for the CDL if you agreed to drive a bus full of snotnosed middle schoolers every day