my cousin is giving me her old car but the title is going to stay in her name can i put insurance on her car in my 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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UPDATED: Mar 26, 2012

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Insurance Question from East Laurinburg, NC

Asked on 03/26/2012

my cousin is giving me her old car but the title is going to stay in her name can i put insurance on her car in my name NULL

Answer given on March 27, 2012

Insurance should be written in the name of the titled owner. If you are not going to have the car titled to you, then your cousin will need to continue the insurance on the car. You should be listed as the principal operator of the car and your driving record and driving experiencce will determine the rates the insurance company will charge. You should also discuss the insurance coverages to be purchased for the car. While your cousin needs to protect her assets with proper liability limits, you may decide that collision coverage is not needed if the car’s value is low due to its age and condition. It does not matter who pays for the insurance. Even if the policy is in your cousin’s name, you can pay the premium. Simply ask the insurance company to send the billing to you, or have your cousin send you the bill when she gets it.

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