Can a title be in my name and my mother puts me on the insurance policy?

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   Clinton Dunaway

   Personal Insurance Agent, Wells Fargo, North carolina

   If the title of the car is placed in your name, then you must carrier your own insurance, normally.  Some insurance companies, for example Safeco and others, will not allow you to be on another policy if you live in the same home.  If you live in the same home as your mother, you might be able to have both your own policy and still receive the discounts that come with your mom's policy.
   
   For example, Allied allows all household members to be listed on separate policies (like your mom and you since you have your own titled auto), but gives you a multi-car discount, etc.
   
   What is so important is that you tell your insurance company up-front know that she doesn't "own" the car, some companies can just reference her name as having an insurable interest in the car.  Just tell your agent up-front.  If something happens, and you discussed it with him/her it is his/her responsibility to insure it correctly/accurately.

   Answered on June 17, 2014

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