Can You Have A Car Registered In One Name And Insured In Another

Rachel Bodine graduated from college with a BA in English. She has since worked every bit a Feature Writer in the insurance industry and gained a deep noesis of state and countrywide insurance laws and rates. Her research and writing focus on helping readers empathize their insurance coverage and how to detect savings. Her skilful communication on insurance has been featured on sites like PhotoEnforced, All...

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Written by
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family's insurance agency, FCI Bureau, for 15 years (BBB A+). He is licensed equally an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He's also been featured on sites similar Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 21, 2022

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Here'south what y'all need to know...

Having 1 name on your machine'south insurance and a dissimilar one on its registration can pb to issues with filing a claim
If needed, the vehicle owner can add a driver to their insurance policy
When someone'due south name changes due to marriage or divorce, the commuter usually must update their registration inside a limited catamenia

Equally a motorcar possessor, information technology's important to be knowledgeable about the ins and outs of your insurance policy. A perfect example of this is the following question: Does your car insurance and registration take to exist under the aforementioned name?

In most cases, your insurance and registration need to friction match, just in that location are a few exceptions. Read on to explore this question further.

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Does the name on your car registration and insurance policy accept to lucifer?

In general, the answer to the question is a resounding "yes." While New York is the merely state that explicitly requires that the name on the automobile's insurance policy and the registration match, virtually all insurance companies demand them to match, regardless of where y'all call dwelling . Although it may not technically be confronting the law to take different names on these of import documents, that doesn't hateful information technology won't cause problems for you.

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Why Using Different Names Can Be an Outcome

Having ane name on the automobile'south insurance and some other on the registration tin lead to headaches and hassles. For example, using different names for registration and insurance tin can confuse your insurance company and make the motorcar insurance claims process a lot more complicated.

Retrieve, automobile insurance companies conduct thorough investigations when someone is in an accident. If your insurer finds that the insured driver is not the aforementioned every bit the person on the registration, it may delay the payment while everything is sorted out. So while your automobile insurance company may still pay for a claim in certain instances, it's best never to assume that your insurer will automatically do this.

In addition, you must update your registration and car insurance with a proper name change, such as if you get married or divorced. You should bring the advisable documents to your land's department of motor vehicles or similar agency to update your registration, then do the aforementioned with your insurer. States typically require that people update their registration within a set up number of days. In Arizona , for case, you lot have ten days to complete this task .

Tin can I insure a vehicle that's non registered in my proper noun?

There are some situations where you may want to insure a vehicle that is not registered to you. If you frequently borrow your friend's car to bulldoze to piece of work, y'all may need insurance to embrace these situations.

In scenarios like this, although you cannot insure the vehicle on your ain, you should be listed as a driver on the owner's insurance policy. If y'all are involved in an blow in the borrowed motorcar, the owner'southward insurance policy volition comprehend yous during the claims process.

Another Option: Non-Owner Automobile Insurance

Another way to insure a car that'due south non registered in your name is not-owner machine insurance. These policies offer protection when someone is driving some other person'due south vehicle by providing liability coverage in an blow that causes personal injury or property harm that is not covered under the existing liability insurance policy. This type of coverage is ideal if you regularly drive someone else'south machine, such every bit a chauffeur or nanny.

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When It Comes to Insurance and Registration, Knowledge Is Power

While it'southward technically possible for the names on your car registration and insurance to be different, it's not a wise move and can cause you plenty of headaches. When you demand to include non-owners on your insurance, exercise information technology correctly so yous don't have any issues filing a claim or getting registered. If y'all take questions about your insurance coverage requirements , contact your agent to ensure you have everything set up correctly .

Comparing your auto insurance doesn't need to be difficult. Simply enter your ZIP code in the costless box below.