Yes Arias must not of had insurance for her car. Hence the excuse for driving the BMW.
Yep. That was the nugget buried in the exchange.
Not to mention.. Taking expensive trips instead of even paying for a basic bill like car insurance also gave her the excuse to insert herself into T's life on a near daily basis with those car "exchanges."
Also. In my state it is illegal to drive without insurance, and I think it is standard to be obligated to a car lien holder (she owed on the Infiniti) to have insurance.