Last night they showed the episode where Marie backed the car into Raymond's house. Frank didn't have car insurance and they had to go through Ray's homeowner's insurance with Frank paying the deductible. Now strictly from a legal standpoint, wouldn't you be in pretty deep shit for having an accident with an uninsured vehicle? There would certainly be more to it than was depicted.
True. Frank would have been arrested. Even though Ray and Debra wouldn't have reported him, it is certain that their homeowner's insurance company would have required that the car and owner be identified as they would have filed a subrogation claim against him....and Marie.