Hi everyone, I hope you’re all doing well. I have a bit of a unique situation and I’m hoping someone here might have some insights. I recently started driving a car that belongs to a family member, but the car is still registered in their name. I’m wondering if it’s possible for me to insure the car even though it’s not registered to me. Has anyone here gone through something similar or knows how this works? Any advice or experiences you can share would be greatly appreciated! Thanks!
To insure a car that’s not registered in your name, you have several options. Firstly, you can add the owner of the vehicle to your insurance policy as an additional interest, demonstrating your financial stake in the car. Alternatively, you could get added to the owner’s existing insurance policy if you live with them. Lastly, purchasing a non-owner insurance policy is ideal if you frequently borrow or rent cars. This policy type provides liability coverage but doesn’t cover damage to the vehicle itself. Always verify state-specific laws and consult with insurers to ensure you’re compliant and adequately covered.
Another route is to have the owner transfer or add your name to the car’s registration, where permitted by state law.
Not possible, you cannot insure someone else’s property. Period.