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If you are buying the car outright then it's up to you to decide when to get the insurance. If you are getting credit, you will have to have the insurance in place prior to taking possession of the vehicle.

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Q: When buying a used car from a small lot is or when is the person buying the car need to have insurance If the buyer had no insurance is the dealer liable?
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Who would be liable if you were driving a friend's vehicle and got into an accident and they did not have insurance?

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