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Whoever's name is on the registration is the legal owner. If the person is co-signer on a loan, your spouse, guarantor on the loan, or named on the registration or insurance policy, then you might be charged yourself with filing a false report. You may be able to report the incident as "unauthorized use of a motor vehicle" instead of theft.

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Q: Can you report your car stolen even if the person with the car owns it with you?
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