can you insure a car that is not in your name?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 16, 2016

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Insurance Question from Howell, MI

Asked on 01/16/2016

can you insure a car that is not in your name? daughter that is married

Answer given on January 17, 2016

The auto insurance policy needs to be written in the name of the registered owner of the car. If you insure a car that is not owned by you, and there is a major accident, the insurance company can deny coverage for the claim. There really is no reason to insure a car that is not registered to you.You can add someone as an additional insured, or another named insured if there is a need to do so. You can also just add someone as a driver on the policy if they will be a regular operator of the car in question. However, if you are added as named insured, you will have liability if there is an accident with that car. Make sure you a willing to expose your personal assets in the event of a major accident. An additional insured will not expose you to any liability in the event of an accident.

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