Can I buy car insurance for a vehicle not in my name?

Most vehicles are insured by their owners, but there are times when you may need to insure a vehicle that you do not own. Some examples may be insuring a car for a family member like a son or daughter, a relative, or even a spouse. In these cases the ownership of the vehicle is that of someone else other than the person applying for auto insurance. Since restoring property and damages is the primary purpose of seeking car insurance, a driver of any vehicle, even a vehicle not owned by the driver still carries the risk of an accident involving the driver or automobile, and therefore car insurance is necessary.

 For someone to insure a vehicle that they do not own requires that person to have an interest in the vehicle. The reason for establishing interest is to avoid fraud. For example, if a person were to put insurance on their neighbor’s car, and that neighbor crashed the car, the insured person could file a claim and receive an award. So states outlaw insurance in such cases unless the driver can prove they have an interest in the vehicle they are trying to insure. Usually having the same address or same last name (in the case of a son, daughter, or spouse) is enough to prove that you have an interest in a vehicle.

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