{"id":1321,"date":"2022-09-12T15:08:44","date_gmt":"2022-09-12T15:08:44","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1321"},"modified":"2022-09-12T15:08:44","modified_gmt":"2022-09-12T15:08:44","slug":"can-you-insure-a-car-thats-not-in-your-name-in-california","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/can-you-insure-a-car-thats-not-in-your-name-in-california\/","title":{"rendered":"Can You Insure a Car That\u2019s Not in Your Name in California?"},"content":{"rendered":"<h1>Can You Insure a Car That\u2019s Not in Your Name?<\/h1>\n<p>The owner of the car and the person who has the car insurance policy are not always one in the same. There are quite a few reasons why someone may <a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">need auto insurance coverage<\/a> for a vehicle that isn&#8217;t legally theirs. Is this possible to do in the state of California? What rules and regulations are there? Let&#8217;s answer all of these questions right now!<\/p>\n<p><strong>Table of Content<\/strong><\/p>\n<ul>\n<li><a href=\"#insure_a_car\">Can You Insure a Car That&#8217;s Not in Your Name<\/a><\/li>\n<li><a href=\"#insurable_interest\">Insurable Interest<\/a><\/li>\n<li><a href=\"#insurable_from_pronto_insurance\">Insurance Quotes From Pronto Insurance<\/a><\/li>\n<\/ul>\n<h2 id=\"insure_a_car\">Can You Insure a Car That\u2019s Not in Your Name?<\/h2>\n<p><img loading=\"lazy\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/09\/Non-Owner-Car-Insurance-in-California-300x200.jpg\" alt=\"Non-Owner Car Insurance in California\" width=\"300\" height=\"200\" class=\"alignnone size-medium wp-image-1323\" srcset=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/09\/Non-Owner-Car-Insurance-in-California-300x200.jpg 300w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/09\/Non-Owner-Car-Insurance-in-California-768x512.jpg 768w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/09\/Non-Owner-Car-Insurance-in-California.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>The owner of the car is who is on the car registration. The vehicle registration may not list you, but that doesn&#8217;t mean you won&#8217;t ever drive it. Borrowing and renting cars, or being in a car sharing service, are all good examples of when car insurance is needed on a vehicle you don&#8217;t actually own. In a case like this, you would need non-owner car insurance.<\/p>\n<p>Let&#8217;s say you have a friend or family member you don&#8217;t live with who allows you to drive a car when you need it. The owner&#8217;s insurance may allow them to list other drivers for permissive use, which would cover accidents that occur while you&rsquo;re borrowing their car, but any damages that exceed the limits of their owner liability policy would be <a href=\"https:\/\/www.prontoinsurance.com\/blog\/what-is-a-deductible-in-car-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">your responsibility to pay<\/a>. You&#8217;ll need to pay for damages out of pocket if they don&#8217;t have full collision coverage and you don&#8217;t have your own policy.<\/p>\n<h3 id=\"insurable_interest\">Insurable Interest<\/h3>\n<p>To have an &#8220;insurable interest&#8221; in a car means you will suffer financial loss if the vehicle is damaged or totaled. You must prove you have a financial stake in the vehicle. If you can&rsquo;t prove <em>why <\/em>you have interest in the vehicle in which you are not on the car title, an <a href=\"https:\/\/www.prontoinsurance.com\/blog\/how-much-is-car-insurance-in-texas\/\" target=\"_blank\" rel=\"noopener noreferrer\">auto insurance company<\/a> will be hesitant to insure you. This is due to the risk of fraud and the questionable legality of approving filed claims.<\/p>\n<h2 id=\"insurable_from_pronto_insurance\">Insurance Quotes From Pronto Insurance<\/h2>\n<p><a href=\"https:\/\/www.prontoinsurance.com\/blog\/what-does-full-coverage-car-insurance-cover\/\" target=\"_blank\" rel=\"noopener noreferrer\">Full coverage<\/a> is the only way to have peace of mind when driving. If any of the situations mentioned above apply to you, it&#8217;s time you reach out to a Pronto insurance agent to learn more about non-owner car insurance. As a car insurance company, we&#8217;ll be able to answer any additional questions you may have in regards to liability coverage, SR-22, <a href=\"https:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/\" target=\"_blank\" rel=\"noopener noreferrer\">the coverage you need<\/a>, and more. Get a free quote today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Can You Insure a Car That\u2019s Not in Your Name? The owner of the car and the person who has the car insurance policy are not always one in the same. There are quite a few reasons why someone may need auto insurance coverage for a vehicle that isn&#8217;t legally theirs. Is this possible to &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/can-you-insure-a-car-thats-not-in-your-name-in-california\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Can You Insure a Car That\u2019s Not in Your Name in California?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1322,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/09\/Can-You-Insure-a-Car-Thats-Not-in-Your-Name.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Insure a Car That\u2019s Not in Your Name in California? - PRONTO Blog<\/title>\n<meta name=\"description\" content=\"The owner of the vehicle does not always have to be the one with the insurance policy in California. 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