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.

Visitor Comments

No visitor comments posted. Post a comment

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

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

100% thumbs up 0% thumbs down (2 votes)

How would you rate this answer?



Thank you for rating this answer.

Continue
DMVAnswers.com (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. DMVAnswers.com does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on DMVAnswers.com is not legal advice, DMVAnswers.com is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.