Does having car insurance give you any legal rights over a car?

I had purchased a car but because I did not have a valid driver’s license I was unable to get tags under my name, A friend of mine offered to get the tags for me the insurance of the car a the driver of the was under my name and the vehicle was always at my home. My father-in-law had an accident in my car and the insurance company paid my friend because the tags were under name. The owner of the car is me because I paid for it and its insurance is there any legal way to get her to pay

me the money the insurance paid to her since I am truly the owner? If so, what should I do ?

Asked on March 5, 2018 under Accident Law, Georgia

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

No, you are not the owner: it doesn't matter where the car is garaged or who drives it, or even that you provided the money for it: it was in your friend's name and so was hers. You paid to buy a car for someone else and get the use of it--but for this purpose, the critical thing is that if you put the car in her name, it belonged to her, not you. Providing the money for a car or paying for its insurance does not give you any legal rights to it.


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