Coverage & Claims
Eligibility

Can I insure a vehicle that I don't own?

Great question! You are correct that you will need a separate policy from your mom since you don't live together. As far as insuring the vehicle under your name, you shouldn't have a problem doing so.

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Eligibility

Can I insure my wife's car if the title is in her name?

If you are married then there shouldn't be any issue with you insuring the vehicle. If the registration is also in her name then she will need to be listed on the policy.

Coverage & Claims

Will my insurance company pay me directly for a claim?

Unless your vehicle was totaled, the insurance company normally pays the repair facility directly after you pay your collision deductible. You would have to speak with them about making other arrangements for the claim payout. As far as whether or not you should file a claim?
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