My vehicle is registered in VA. Can someone else get insurance in their name without the titIe in their name?

Question

I'm leaving my vehicle in Virginia for my friends use, while I'm stationed in Texas. She's responsible for the insurance and registration. I do not want to transfer the title. Can she register and insure the vehicle in her name without being on the title?

Answer 1

Call the DMV to ask what they will accept.  There are a couple of different forms that can be used, depending on the laws in Virginia, but nobody has to be the owner to insure a vehicle, otherwise nobody could ever insure a leased vehicle.

"Agreement Between Parties" - similar to a lease agreement, but with no money as the vehicle is not rented.  You give the other person care, custody and control of a vehicle, as of a certain date, for a period longer than 30 days.  This person registers the vehicle in his/her name, and insures it, but title remains in your name.

"Right of Possession Agreement" - often used when a small business owner gives somebody a vehicle for personal use, it is not registered as a business vehicle, but does not give title.  It may also be used in a case like yours where you are signing over possession while you are away, but retaining full ownership.  Again, the form allows the person to register and insure.

The DMV will advise you which type of form may be allowed in your state.  As a registrations agent and insurance broker, I think I used 2 Right of Possession Agreements in 10 years, but probably 50 or more Agreement Between Parties forms every year.

Answer 2

It's going to be difficult if not impossible.  Even to renew on line if names aren't lining up like they are supposed to it raises a red flag, especially with the VA real ID act in place.

You can put her on the title as registered owner, and list yourself as legal owner, then the car would be yours but she would be responsible for registration and insurance, and would be able to show an interest in the car if asked about it.

Once you come back and want it back, she can sign off as registered owner in you trust her to do that.  If not, I wouldn't leave the car anyway.

Answer 3

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Answer 4

No. Just remember you are libel for anything that happens with her using this vehicle. Not a good idea and who's to say she will take care of it.