My friend is buying a car for me to drive. Can the insurance be in my name?

Question:
My friend is buying a car for me to drive. Can the insurance be in my name, or does the owner of the vehicle have to be the one to carry insurance on it?

Answers:

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The owner has to have the insurance.Why on earth would you want to risk it being in your name anyways.

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In most cases, your name must appear on the title of the vehicle in order for you to purchase insurance on it with you as the driver.

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If your friend purchases insurance, and you drive, you might be covered, but again, in a lot of cases it will only be for the minimal amount permitted, not necessarily the policy limits.

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Check it out carefully, and be sure to READ the policy and understand what you're getting

N.Y.DMV drivers lic. I.D. # Norah Hurley 8-4-54?

Your name will have to be on the title in order for you to carry insurance. Your friend is doing you a favor, but it is a very bad idea to drive a vehicle when you don't have your own insurance policy. Besides losing a friend, it can cost you a bunch of money if you were to get into an accident.

Minor Car Accident help?

You have the option of buying a policy under your name as a "non owner policy" normally you can't insure something that doesn't legally belong to you (you would need to be on title).
This is the best way for your friend not to be liable for that vehicle.

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It is also extremely recomendable that your friends buys a policy for the car since if the car is totaled or stolen it wouldn't be covered under your policy
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