Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal
This answer was rated:

Can I insure a car if the title is not under my name?

Basically, my son owns the...
Can I insure a car if the title is not under my name? Basically, my son owns the car and I want to insure the car under my name.
Show More
Show Less
Ask Your Own Legal Question
Answered in 5 minutes by:
1/9/2017
Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 43,501
Experience: 30 years in civil, probate, real estate, elder law
Verified

Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.

Ask Your Own Legal Question

Yes you are able to insure a car not titled to you.You just need to talk to your agent and set this up.It should not be a problem.But it is certainly possible to do so.

I appreciate the chance to help you today.Thanks again.

If you can positive rate 5 stars it is much appreciated.

Ask Your Own Legal Question

Each insurance company has it’s own

An owned by endorsement is something that you can add to an insurance policy to allow you to insure the vehicle if it’s not titled in your name. Typically you need to have insurable interest in something in order to insure it. Insurable Interest is when you would have a financial loss if something happens to whatever it is that your insuring like a car or home. The owned by endorsement actually adds the titled owner of the vehicle to your insurance policy. They are listed as the owner of the vehicle and therefore would be the ones who receive any payout on any claims if there were any. Since your not the owner you wouldn’t be out anything if the vehicle were to be involved in an accident and totaled out. But the owner of the vehicle would be since they own the vehicle.

When you add an owned by endorsement to your policy they will run the owner’s information as well. They have to be able to qualify for insurance too. rules so it’s good to check around and ask if it’s allowed or not. Here it was allowed in some cases. It was allowed with an “Owned By Endorsement”.

Thanks again ask your agent i f they allow "owned by"endorsement.

Ask Your Own Legal Question
Customer reply replied 10 months ago
one person can have the title, and it can be registered to a different person? If I have it registered in my name, am I able to get it insured in my name as well?

It can be done this way of the insurance company does ' owned by" endorsement.It the insurance agent that may be the stickler, legally it is possible.See if the agent and the insurer will allow this.

Thanks again.

Ask Your Own Legal Question
Customer reply replied 10 months ago
Alright. So this will work if the car is not yet insured, correct? Do I need the car to be insured before I can get it registered in my name?

Yes you would and you would want to run this by the agent.

Ask Your Own Legal Question
Customer reply replied 10 months ago
Can you explain the order of events for this?

Contact the agent to make sure this is allowed by your insurance agent, then once insured you can get it registered in your name.It will be the insurance that may give you a hard time, hopefully they allow " owned by endorsement."

Ask Your Own Legal Question
Customer reply replied 10 months ago
Alright, so I need to contact an insurance company first, get a policy with them that allows this, and then I can go to the DMV and get it registered in my name?

Thats correct, thanks again and the best to you.

Ask Your Own Legal Question
Customer reply replied 10 months ago
I am basically purchasing an insurance policy that is not applied to any vehicles yet? And then I go to the DMV and get it applied to the vehicle after it is registered?

Yes thats correct.

Ask Your Own Legal Question
Customer reply replied 10 months ago
Ok, thank you for your assistance. Is there a document that describes this process?

Forgive me what state are you in I will get that, thanks.

Ask Your Own Legal Question

Reference to owned by endorsement.

http://homelifeandcarinsurance.com/2010/10/can-i-insure-a-vehicle-that-is-not-titled-in-my-name/

This should walk you through this.

Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 43,501
Experience: 30 years in civil, probate, real estate, elder law
Verified
Ray and 87 other Legal Specialists are ready to help you
Ask your own question now
Ask Ray Your Own Question
Ray
Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 43,501
43,501 Satisfied Customers
Experience: 30 years in civil, probate, real estate, elder law

Ray is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,218 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

20,218 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

41,455 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

287 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
Discrimination? My U.S. car insurance will drop MY policy
Discrimination?My U.S. car insurance will drop MY policy now that I am married to a Canadian citizen unless he gets a valid U.S. driver's license.How can they be allowed to discriminate against me, a … read more
Attyadvisor
Attyadvisor
Doctoral Degree
6,895 satisfied customers
Which State division oversees title insurance companies and
Which State division oversees title insurance companies and what is a contact address for filing a complaint against a title insurer. … read more
Attyadvisor
Attyadvisor
Doctoral Degree
6,895 satisfied customers
My wife and I were talking life insurance policies, should
John, My wife and I were talking life insurance policies, should something happen, can we have the money put into a trust with a controlled yearly withdrawal so it will last longer?… read more
John
John
Attorney
Doctoral Degree
5,772 satisfied customers
I had a life Insurance policy with All State insurance taken
i had a life Insurance policy with All State insurance taken out in 1997 for 25.000 whole life. I then increased it to 60.000 paying regularly each mos. I was told they had turned it over to Universal… read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
1,451 satisfied customers
I had univer. Life insur policy for 24 yrs The company tells
I had univer. Life insur policy for 24 yrs The company tells me that its not performing and want pay out,and I should apply for lesser policy (50,000) … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
41,455 satisfied customers
My husbands life insurance policy was canceled from FARMERS
Second opinion] My husbands life insurance policy was canceled from FARMERS Insurance after 20 to 25 years paying for. Have copy from Farmers but do not understand. Would like my money for the time I … read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
17,996 satisfied customers
My husbands life insurance policy was canceled from FARMERS
My husbands life insurance policy was canceled from FARMERS Insurance after 20 to 25 years paying for. Have copy from Farmers but do not understand. Would like my money for the time I had put into the… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
We just received a copy of the insurance policy the cover
We just received a copy of the insurance policy the cover letter says that it doesn't provide any coverage for automobile accidents. I've attached it please let me know what you think thank you… read more
Michael Bradley
Michael Bradley
JD
1,131 satisfied customers
My mother has a insurance policy that matured in 2007 and
my mother has a insurance policy that matured in 2007 and cant ins. to tell us anything what should we do. … read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
34,659 satisfied customers
I am planning on buy in a separate insurance policy with a
I am planning on buy in a separate insurance policy with a different company for my teen driver and myself with specific vehicles. Can my current insurance company legally raise my rates on vehicles t… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
I NEED A COPY OF TITLE INSURANCE POLICY BUT I CAN NOT FIND A
I NEED A COPY OF TITLE INSURANCE POLICY BUT I CAN NOT FIND A COMPANY. I PURCHASED A CONDO IN 2002 Y. … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
I bought an insurance policy and one of the statements in
Hello, I bought an insurance policy and one of the statements in the policy make me think the policy is not valid. "This policy is written by an unauthorized insurer and is not subject to the filing o… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
What is title insurance. I got property through title
I got property through title insurance and lost my inhearance … read more
Ray
Ray
Lawyer
43,501 satisfied customers
If a beneficiary to an insurance policy dies, do the
If a beneficiary to an insurance policy dies, do the proceeds get distributed according to that beneficiary's will or are they distributed according to the Insurance policy such as divided equally amo… read more
Michael Bradley
Michael Bradley
JD
1,131 satisfied customers
If an organization sells an insurance policy thru them for
If an organization sells an insurance policy thru them for an insurance company do they become an agent for the insurance company. If so do they have any obligation in your behalf. … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
Do I have an insurable interest in a vehicle if I'm named a
Do I have an insurable interest in a vehicle if I'm named a "transfer on death" beneficiary on the title?Background: 1. My mom is the primary owner, and I'm named on the title as TOD beneficiary. 2. M… read more
Ray
Ray
Lawyer
43,501 satisfied customers
What if there is a life insurance policy on someone and no
What if there is a life insurance policy on someone and no beneficiary is assigned? Who gets the money? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,959 satisfied customers
Does a debtor have an insurable interest in the life of a
Does a debtor have an insurable interest in the life of a creditor, and does that insurable interest stop when the debt is paid off? Debtor took out business life insurance to pay off the creditors es… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
41,455 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x