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I do this for a living so trust me:
#1) The system is a complete goat#@$%^. There is no rhyme or reason as to why some people get crazy fines and others get none. You could sell the car from your husband to you, but would need written permission from the lienholder. They may or may not do this, as the credit for the purchase would now be run with your credit basis and not his. However, if they agree and provide a letter of authorization, then you can transfer title and lien to you no problem. Youll need a MD inspection again though. This will allow you to get title and tags in your name no problem no fines. It doesnt ,however, eliminate his problem.
The system is set to penalize those who drive uninsured, however, like every other misguided state or federal system, doesnt use good ole fashioned logic. While penalizing those who drive uninsured sounds great, the reality is it collects millions of dollars from those unintentionally caught in a catch 22 and not actually driving with no insurance. Happens all the time. Someone trades a car in to a dealer and then forgets to turn in tags. Gets fined by MVA and has to prove he wasnt driving car in meantime. Hassel, work, and effort involved to prove it and most people blow it off. Big beauracracy, big joke, lot of $$$, bunch of bull#$%^. What can I say. I work it, I didnt invent it.
Too complicated to type more. If you have a specific ???, feel free to ask.