Does the title of a car need to be is the same name as the person whose name that the insurance is in?

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Does the title of a car need to be is the same name as the person whose name that the insurance is in?

I bought a car for my daughter and she lives with her mother in TX. They live in another county. Her mother wants the car in my name and she will carry the automobile insurance; she wants the car in my name so she doesn’t have to claim my daughter as the “primary” driver. Can she do this? Does it matter who’s name the title of the car is in?

Asked on September 4, 2011 under Insurance Law, Texas

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

The basic question that you are asking here is if you can insure a car that you do not own, which is what your ex wife wants to do.  She wants you to be the registered owner while she insures the vehicle for travel for herself.  Now, this is technically insurance fraud so no attorney is going to advise you commit a crime.  But I can tell you that people insure cars that they do not own every day in a number of different ways.  And that it would NOT protect you as the registered owner if someone else was named on the policy.  So I would advise you to have insurance coverage as well. I think that you have a lot to discuss with your ex.  Good luck.


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