Im driving my boyfriends car he has no insurance can i get a policy in my name even though he owns the car

UPDATED: May 24, 2016

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UPDATED: May 24, 2016Fact Checked

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Asked May 24, 2016

1 Answer

The Nebraska Department of Motor Vehicles (DMV) requires that every car registered in the state have insurance - in fact, it is a requirement to register the car in the state. So, you are wise to be concerned about the situation. If the car has already been in Nebraska for 30 days, it should by law be registered and already have insurance.

Generally, insurance companies will not let you buy insurance for a car that is not in your name. This is especially true if you are still paying for the car. If you are wanting to purchase insurance on the car your boyfriend owns, it is unlikely that you would find an insurance company to go along with that.

There are several reasons why this is not allowed. For example, if your boyfriend is a bad driver, or has a suspended license, any accident or mishap would ruin your record - not his. Allowing those without the title to the car to buy insurance increases the possibility of insurance fraud - something that most companies are not willing to gamble on.

There are options for non-owner" car insurance, but you need to be careful with this. Generally, these policies are meant to supplement the collision insurance policy of the car's owner. What is the reason your boyfriend cannot put the insurance policy in his name? If he has some legal issues that affect his ability to drive, you're not doing anyone a favor by entertaining the idea of putting the insurance in your name. If your relationship is such that you feel comfortable paying for the car insurance, perhaps he could put the policy in his name, and you could chip in for the premiums every month.

Take a little time and examine the situation you are in. You can consult with insurance companies for more information and advice.""

Answered May 25, 2016 by karen

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