Can you get car insurance on a car without the title in your name?

Answer 1

Not necessarily.

Auto insurance is of several types.

There is physical damage coverage, which pays for the repair of the vehicle if it is damaged. In order to obtain that, you must have an "insurable interest" in the vehicle. This means that you must have a stake in the continued existence (or good condition) of the car. Therefore a person who has loaned money for the purchase of the car with the car as collateral, has an insurable interest. That person may or may not be named on the title.

There also exists liability insurance. This compensates an injured person or entity for damages resulting from an automobile collision that was not his/her/its fault. It also protects the insured from a claim for negligence by hiring a lawyer to defend any resulting lawsuit, and paying damages for which the insured is found to be legally responsible. It is not necessary to own a car in order to get liability coverage. A person can purchase "non-owners coverage" that provides liability protection regardless of the vehicle being driven.

Answer 2

Insurance for Someone Else's VehicleYes, You can Insure the property of another Person. So Long as you have authorization to do so and the owner is benefited, or some other insurable interest in that property exists.

An example would be a case where dad says " OK, you can use my spare car but you gotta get your own coverage".

If You have permissive use from the owner of a vehicle, then obviously you have an insurable interest. However, Only the Legal owner of the Property or the designated agent of the owner can receive compensation for the property in the event of a covered property loss.

If you are insuring for liability only then this is not an issue. If you buy full property coverage, Then Dad will be proud and happy you were prudent enough to fully insure his and your interest in the vehicle he loaned you.

List all drivers for liability purposes and list dad for property interest.

Another example would be almost every time we Rent A Car. When we purchase the daily insurance with the rental car we insure our liabilities in the use of Someone Else's Vehicle.

Yet another Example would be when a vehicle has been recently purchased and you are still in process of transferring the title. Naturally you can insure the vehicle so you can drive it while your working on the title transfer. Almost any Insurance agent can do this for you.

You can not insure the property of another when no insurable interest exists. It would be unlawful to insure the property or life of another where the intent is to gain unduly from anothers loss.

AnswerNo I don't think you can because in order to register you insurance they need your name in the title. :)