I have a ham radio and still not got around to getting my license. I never transmit on it now but in a proper crisis I am not going to worry about being prosecuted by the radio authority.
Your neighbor has access to a car, but still hasn't got around to get his drivers licence. In a proper crisis, he'll google "how to drive a car?" and "what does the third pedal do in a car?", and won't worry about being prosecuted by the driving authority.
You will in turn have to share the road with him in the same way as other radio amateurs (and possibly rescue services) will have to share the spectrum with you. You transmitting on a repeaters input frequency without a subtone set will in turn jam the repeater (PLL is before the TSQL) will make communications impossible in the same way as your neigbor stuck in the middle of the road with a burnt clutch will make driving impossible for others.
But hey, stay lazy, don't get a licence, i'm sure you'll be able to figure it all out fast when you're knee deep in flood waters.
And you shouldn't worry about such thing under those situations. Wouldn't make any sense except for bureaucrats.
You should worry about knowing the procedures, the channels, how to engage in communication with the hardware available to you.