Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: May 30, 2019

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Important facts to know...

  • Most companies provide insurance policies for people without titles though they require you to prove insurable interest
  • A non-owner insurance policy is the best alternative coverage for those without titles for the cars they intend to insure
  • Insurance policies for people without titles cover only the third party liability and not the comprehensive or collision coverage

A title is a legal proof of who owns a vehicle.

There is confusion on people when it comes to getting an insurance cover while their names do not show on the title. However, most auto insurance companies understand that it is not everyone who has easy accessibility to a vehicle’s title.

The insurance company may not require you to have a title, but they expect you to have an insurable interest.

You should be in possession of the title if you bought your car from a dealership.

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Conditions Leading to the Absence of a Title

There are few instances when someone may require a car insurance cover but their names are not on the title:

  • You are leasing a car – this means that the car belongs to the leasing company and they have the title.
  • Loan to purchase a vehicle – this is one of the most famous cases in the insurance companies. After the completion, the loan company will allow full transfer of the title to your name. In this case, you can let the insurance company know that you are in the process paying the loan for the car.
  • A title loan – this is different from when you get a loan to pay for the car. In this case, the owner uses their vehicle as collateral. The lender takes the full ownership of your vehicle until you complete the payment of the loan. Your insurer pays the lending company if you get into an accident.
  • Inheritance from parents – in this case, you can get insurance for a car without a title. The insurance company would require a proof of ownership within 30 days since you inherited the car. Some insurers would require you to have insurable interests in it before you register the car without a title.

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Insurable Interest

Acquiring an insurable interest means that you would suffer economic losses if there is damage to the vehicle. In the instances where you are the registered owner, then proving that you hold some losses in case of an accident would be a bit easier.

However, while you are not the owner, the insurance company will require the owner to name you as a driver on the car.

When the car is in your child’s name, the insurance company advises on acquiring a new registration with two of you as the registered owners.

The insurance companies may also ask you to show a proof of insurable interests to ensure that you there is no involvement with fraud cases. For example, you could be trying to insure a friend’s car to bail her out of high insurance rates.

Getting a listing as a car driver is the easiest way to get insurance protection and compensation in case of damage. However, you have no rights to adjust the insurance policy.

Non-Owner Insurance Policy

This is the best insurance policy for anyone who does not have a title and a car since it allows you to drive someone else’s. The insurance covers the damages caused to another person or car.

You may consider shopping for different providers online to get the one with the best rates. Some insurance companies give discounts for the drivers who settle for higher policy limits than the state’s minimum coverage.

However, the non-owner insurance policy is not comprehensive, and it only covers for the actual accidents. Below are some of the cases that it does not cover:

  • Comprehensive coverage if you hit an animal, a house, or a tree.
  • The insurance cover is invalid if you live with the car owner.
  • It does not apply to the cases where the insured drives the car on a daily basis since they expect the owner to add their name to their policy.

Informing Your Insurance Provider

Ensure that you inform your insurance provider if you make changes to the title to avoid mishaps when reporting a claim. An insurance company may decline covering the losses when you are involved in accidents and they learn that the title has changed.

Additionally, they may require you to provide the VIN of the vehicle you intend to include in your insurance policy. Any additional insurance coverage may not have any effect on your rates.

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