What happens if I don’t get liability insurance or be added to a parents’ policy and drive their car?

You will have to ask a psychic what "will" happen but driving uninsured could ruin the rest of your life and your parents lives.  Don't even think of doing such a foolish thing.

Nothing happens, unless you get into an accident.  But if you get into an accident (and you probably will), things go south for your parents really quickly.  And by south, I mean deep south.  Your parents will be stuck in "insurance hell" for a long time.

You don't have to worry about the cops, as long as you have proof of valid insurance.  Cops only verify that the vehicle has valid insurance, nothing more.  They don't know or care about listed drivers on the policy, because that stuff isn't their job.  You'll only be in trouble with the cops if you can't prove the vehicle has valid insurance.

The trouble comes when an accident happens.  That's because the truth always, always comes out after an accident happens, and insurance companies all have an effective way of dealing with untruthful customers.  It's called the misrepresentation / non-disclosure clause, and it's printed in every insurance contract everywhere.  Misrepresentation is the legal term for lying, non-disclosure is the legal term for lying by omission (failure to tell the truth), and either one is a total deal-breaker.  When insurance companies suspect misrepresentation or non-disclosure, they cancel the whole contract and declare all coverage null and void.  That means they don't have to pay for anything.  And they'll get away with it, because the misrepresentation clause is in the contract.

That leaves your parents paying for all the damage out of their pockets, and it leaves them without any valid insurance on their vehicle(s).  With a cancellation for non-disclosure on their record, the only place they can get insurance for the next few years is the high risk market (insurance hell).  And with a name like high risk market, you can guess what kind of prices they charge.  There's only only one way for your parents to get out of this mess, and you're not going to like it.  They have to have you charged with stealing their vehicle, and they'll be required to testify against you in court.  

Just liability is all you need and is not expensive.

would help if you had a car , troll .

Get a job you bum

you will get in trouble.

you get a $500 fine and thrown in jail over night with Bubba who will ream you a new butt hole.

If you live with the parents, you have to be listed on their policy.  Otherwise, the insurance gets canceled for misrepresentation.  If you don't live with them, you would be covered in their policy as a permissive user.  (retired claims adjuster0

If there is an accident you have no insurance (a felony in most States) and you and the vehicle owner are financially responsible for any monetary damages.

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What happens if you "don't be added?"  I see one of the problems,

The problem is if you cause an accident and you’re at fault, you can be sued by the party whom you damaged their vehicle or if the other party is at fault, you won’t be insured because your parent’s insurance company will have the legal right to refuse to help you out.