If you were to total the vehicle and have comprehensive coverage and collision coverage the payout would go to your mom because she is the owner of the vehicle.

Can you put insurance on a car you don't own. If you already have insurance on your own vehicle you can add the car you do not own to your policy for the additional premium. The situation is a little different if your child has a car. As mentioned its typically impossible to insure a car that you dont own because insurance companies want you to prove you have insurable interest in the car.

Insurance companies almost always require that a policyholder have an insurable interest or a level of ownership in the vehicle being insured. Certain states wont allow you to insure a car you dont own no matter the reason. Can you insure a car you dont own.

The insurance rates wont change significantly either. If you dont own a car you can still purchase car insurance from a car insurance company simply by purchasing what is called a non-owner policy. Insurance companies want you to have insurable interest in the car but policy terms and state laws vary.

In New York for example you. It could cost more as insurance providers might see you as a. If you dont own the car however you can stay on your parents policy as long as your permanent address is their home.

We can help you easily compare car insurance quotes. - Yes you can insure a car you dont own. Hopefully your insurance agent is experienced and professional enough to ask who the car is titled to but it doesnt always happen.

However you may own the title to your childs car but your child lives with their other parent. Adding a car owner to your car insurance policy is probably the easiest way to insure a vehicle you dont own. If you dont own a car youll still need auto insurance if you want to drive while traveling for example or want to prevent your future rates from spiking due to a lapse in coverage.