Can my husband insure a car that is titled in my name without transfer of title?
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Spouse, insure a vehicle that is not in both spouses names
Asked February 11, 2016
Barring unforeseen circumstances regarding marital status and/or other legal issues regarding marriage and estate, it is possible for a spouse to insure a vehicle even if the title is not in their name. The non-title holding spouse will more than likely simply be required to show a provable interest in insuring the vehicle for the insurance company to feel comfortable allowing the title holder to be insured through a non-title holder. Marriage is an easily provable interest to insurance companies, though it might be advantageous to have the policy holders name on the title. That way if there is an emergency, there is no question about the validity of your policy or run-around in regards to who is insured. The most important thing is that the vehicle is insured. Whether or not that is through the title holder or someone other than the title holder, it is essential that coverage does not lapse.
Answered February 12, 2016 by Mark