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Question

Can I buy insurance for a car i do not have a title for?

If I want to buy a car I must have insurance for the car, but I have to own a car in order to get the insurance right?

Agent Answer

Ava Lynch

While there could be some local laws I am missing, generally insurance companies only require you have an insurable interest in the vehicle in order to insure it. An insurable interest meaning, you actually own the vehicle. The big issue that comes from insuring a car you don’t own is what happens if you file a claim. If you were to total the vehicle or have any type of claims check paid out, it would be made out to the lien or the owner of the vehicle on the title. I would insure the vehicle and then transfer the title to yourself as soon as possible.

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