Good evening Peter,
Sorry about question 3....My bad.... I intended to write "Is there a loan against the vehicle?
You wrote: I had the car parked at her house because of a insurance lasp in her garage. What do you mean? How does her garage cause a lapse in your insurance?
Did you agree---when she co-signed---that you would keep insurance on the vehicle?
When it was ok for me to drive it after the 90 days What 90 days are you talking about? What does a 90 day period have to do with this situation?
Were you the primary on the loan? Are you sure that she is a co-signor---with no legal rights in the car---or was she a co-borrower with the same liability on the debt as you had?
Who initiated the lawsuit that you say she and her father are involved in? You or her?
What are you trying to accomplish? What is the lawsuit about---and I mean who sued whom and based on what cause of action---Breach of Contract? Tell me more about this situation, please.
This seems like a very crucial matter for you, and your questions and issues suggest that an in-depth conversation might best suit your needs. If you are interested, for a nominal charge I can offer you a private phone conference as opposed to continuing in this question and answer thread which is searchable and viewable by the public.
If you don't want a call and want to continue in this thread in writing, then let me know. But I have to tell you that the situation is so complex and fact intensive that I'm not sure how much I can assist you without the ability to do a lot of back and forth with this conversation.