Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
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UPDATED: Oct 1, 2020

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Can someone else insure my car? Many new car owners tend to battle with this question. Surprisingly, this is not uncommon. In fact, most states allow it based on the precept that the owner of the car and the person who insured the vehicle are the same.

From a legal standpoint, there is nothing wrong with having another person insure your car or any other vehicle you own. Frankly, the process is not that straightforward the rules tend to differ from one insurance provider to the other.

Can You Insure Someone Else's Car that is Not Registered in Your Name?

Will Insurance Companies Accept This Claim?

The answer to whether or not your car can be insured by someone else is yes. However, it does not imply that insurance agencies are legally required to accept applications. And even if there are legal inclinations to this, some providers can opt to reject the policy claim. And if they do agree, the difference in the names makes claiming payment a challenging process.

All insurers require applicants to present proof of insurable interest without which the policyholder fully shoulders the financial burden if the vehicle is damaged or totaled.

If the policyholder has no proof to show and no evidence to present, then he or she has no reasons to safeguard his or her car.

It is for this reason that having another person insure your car is not as easy as doing it under your name. Most states do allow payment of car insurance policies to other someone lisle other than the registered owner; some insurance providers do not accept such an arrangement.

Moreover, it is possible for some insurance agencies to reject insuring a car that is not registered under your name on the grounds of potential fraud. Therefore, you must present a firm reason for having your car insured under another person.

For instance, a driver with multiple infractions may try to avoid paying the premium by asking someone else to insure the car on his or her behalf. But the insurance provider is likely to refuse payment and file fraud charges against the car owner if they discover such conduct.

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What If The Insurance Carrier Refuses My Claim?

Insurance Claim Reject

The reasons above are why insurance companies make the process easier if you insure the car in your name. From a logical point of view, the insurers perceive people who opt to have others insure their vehicles to have any number of reasons, some of which have ill motives.

Nevertheless, such an option is common with parents. But even with the car insured under your child’s name, as the applicant, you are expected to demonstrate an insurable interest.

If your insurance company declines, then the only other ideal option is to obtain a new registration that has you and your child registered as the owners of the car. It is an option that works even for another person with whom you are not related. But, it may become a thorny issue for the DMV because it may appear as though two different people own the same vehicle. Such an incident can be a reason for concern, more so if the two people do not live together.

Check out here for free quotes from reliable auto insurance companies in the country.

Can I Insure A Car Registered To Someone Else?

It is possible. In some states, people can make insurance payments even if their name is not what is on the registration details. Nevertheless, few insurance providers accept this; therefore, it is wise to ask the insurer first before filing a claim.

Irrespective of the name listed as the owner of the car, the person who frequently drive it should be the one registered as the designated driver. If other family members drive the vehicle, then they should all be mentioned as drivers when applying for the insurance policy.

How Can Another Person Insure Your Car?

Ensure that the insurers approve the person. In most cases, the allowed candidates are often employees, parents or a leasing company. Besides that, you also should check the premium costs to note if it is higher than usual. If most of the insurance companies you approach do not accept it, then consider going for a short-term car insurance policy.

And because most insurers accept this does not mean you have no other valid options. You should be thorough. Research so that you are informed; it could save you lots of headaches in the end.

So, What Is Your Take?

Is it possible to add a car to my insurance that is not in my name? Yes, you can; some insurance providers allow it, but the process is complicated. Moreover, the provider may charge a higher premium. But whichever approach you settle for, it is wise to consult your insurance agent and research as much as possible to find the best option.