who had no insurance vs who has no insurance

Both phrases are correct, but they are used in different contexts. 'Who had no insurance' is used when referring to a past event or situation, while 'who has no insurance' is used when referring to the present or a general situation. The choice between the two depends on the timeframe you are talking about.

Last updated: March 29, 2024 • 426 views

who had no insurance

This phrase is correct when referring to a past event or situation.

This phrase is used to describe a situation in the past where someone did not have insurance.

Examples:

He was involved in a car accident last year, but luckily he was not injured because he was the only one who had no insurance.

Alternatives:

who did not have insurance
who was uninsured

who has no insurance

This phrase is correct when referring to the present or a general situation.

This phrase is used to describe a current situation where someone does not have insurance or as a general statement about someone's lack of insurance.

Examples:

She is the only one in our group who has no insurance for her car.

Alternatives:

who does not have insurance
who is uninsured

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who had no insurance vs who has no insurance