It is legal in New York to register and insure a vehicle in a name other than the name on the title. … Insurance problems can occur under circumstances where no legitimate reason exists to insure a vehicle owned by someone else. An insurer may refuse to pay a comprehensive or collision claim under such circumstances.
Can you insure a car that is not registered to you in NY?
New York is the only state with laws requiring that the name on a car’s insurance policy and registration match. But even though other states don’t have it written into law, insuring a car that is not registered in your name can still be difficult and makes the claims process harder.
Can you get car insurance if the car is in someone else’s name?
Generally, no. A person cannot get an auto insurance policy on a car that they do not legally own unless they can prove to the insurance company that they have an insurable interest in the vehicle.
Does your car insurance and registration have to be under the same name in NY?
Your vehicle’s insurance and registration must always be in exactly the same name. You should always carry the paper or access to your digital electronic NY State Insurance ID Card in your vehicle.
Can you insure a car that you don’t own?
If you’re looking to insure a car you don’t own, the process is fairly straightforward. … State an additional interest: You can add the owner of the vehicle to your own insurance policy as an additional interest. This is the easiest and most common way to get insurance for a vehicle that isn’t yours.
Does the insurance policyholder have to be the owner?
Every car insurance policy has a “main driver”. This has to be the person who does most of the driving. To get someone else insured on that car, you have to add them as a “named driver”. … But the main driver doesn’t necessarily have to be the owner or the registered keeper.
How do I transfer my car insurance to another person?
Along with a Rs. 50 transfer fee, the following documents as required for car insurance transfer:
- New copy of the registration certificate/form 29.
- Old policy document.
- No Objection Clause (NOC) from the previous policy holder.
- New application form.
- Inspection Report (to be carried out by the insurance company).
Can you register a car online in NY?
All vehicles in New York must be registered to be on the road. To do this, you must visit your local DMV office. … Many DMV PDF forms can be filled in online and then printed out.