my father and niece have a car loan since both names are on title doesnt both names need to be on insurance policy

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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 23, 2012

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Insurance Question from Coolbaugh Township, PA

Asked on 03/23/2012

my father and niece have a car loan since both names are on title doesnt both names need to be on insurance policy my father purchased a car and both his name and my nieces name are on the title so i was told that if both names are on title then both names have to be on insurance policy..then i was also told that since his name appears first on loan that he only has to carry her as a rider..who is correct

Answer given on March 25, 2012

If two people are on title to a car it is best to put the policy in both names rather than just one. Married couples do not both have to be listed unless they live in separate households. However, even a father daughter ownership should name both as insureds. While you can insure with just one named insured, and list the other owner as an operator of the car, there is really no benefit to doing it that way.If a driver is only listed on the policy as an operator, they do not get all of the benefits of the insurance policy as they might if they are a named insured. Coverage for driving other cars is much more limited if you are only a listed driver on the policy. If the driver listed has a questionable driving record, it really does not matter as their record will affect the premium whether they are shown as a driver or named insured.

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