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Q

Do all parties on the vehicle registration have to be on the car insurance policy?


A

It depends upon your state's laws. In many states not all people listed on your registration must be listed on your insurance policy. For instance if you and your child have a car listed in both of your names but he or she has since moved out then he or she should be able to get insurance in their name only.

The Nevada DMV notes that it is important the name(s) on your insurance and vehicle registration match. If you change the name on your insurance, you must also change the name on your vehicle registration and title. At least one person's or business name on the registration and the insurance must be the same.

The Nebraska DMV states with regards to proof of insurance that the names on insurance policy, registration and title do not need to match. However, there must be a detailed description of the vehicle (year; make; model and minimum of the last three digits of the VIN).

If the state allows the registration and insurance names to be under just one of the registraints' names or even someone else's name is one thing, the next is if an insurer will require both registered and title owners be on the insurance policy. Typically insurance companies just require that you have insurable interest in the car and those are one of the registered owners. Unless the other registered owner lives in your household you usually will not need to include them on the policy unless you want to.

In fact a car does not necessarily have to be registered under the policyholder's name in order to be insured. There are some companies that allow a person without insurable interest in a car to be the one carrying the insurance on it. The Florida Department of Highway Safety and Motor Vehicles (HSMV) says that the insurance coverage of a vehicle may be in one or both of the names on registration or even in the name of someone other than the registered owner, so some states allow the registration and insurance names to differ.

Whether an auto insurer will insure a car not owned by the policyholder depends upon the underwriting guidelines of the insurance company.When the registration and policyholder's name differ, it is important to be aware of the normal procedure of excluding the registered owner of the vehicle.

Driver exclusions are agreements between the policyholder and the insurance company which state that the specified person or persons are excluded from coverage; therefore, if excluding a driver, make sure that they do not drive since no protection will extended to them if they do operate the vehicle. If it is decided that a person listed as an excluded driver does need to drive the vehicle then a request can be made to the insurer to add the driver to the policy.

So normally one person who is on the registration and title of a vehicle can get insurance for the car. The other owner may need to be listed depending upon the guidelines of certain insurance providers or if that person lives in your household.When both registered owners live in the same household than normally both would be listed on the policy or else the one that you do not want on the policy would need to be excluded.


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