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At the time of the loss the named insured on the policy and the title holder has to be the same (or family) for the insurance to be proper.

If a 40 year old male sold his vehicle to a 18 year male, and the insurance was kept in the name of the 40 year old person, there might be a problem paying for a claim, especially in situation where there was an accident involving the 18 year old, regardless who paid for insurance.

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Q: If you sell a car and agree to maintain the car insurance for the buyer and the buyer pays the premium and then the buyer is in a car accident does the seller's insurance cover the damage?
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