Does having car insurance give you any legal rights over a car?

UPDATED: Oct 1, 2022

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Does having car insurance give you any legal rights over a car?

I had purchased a car but because I did not have a valid driver’s license I was unable to get tags under my name, A friend of mine offered to get the tags for me the insurance of the car a the driver of the was under my name and the vehicle was always at my home. My father-in-law had an accident in my car and the insurance company paid my friend because the tags were under name. The owner of the car is me because I paid for it and its insurance is there any legal way to get her to pay

me the money the insurance paid to her since I am truly the owner? If so, what should I do ?

Asked on March 5, 2018 under Accident Law, Georgia


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

No, you are not the owner: it doesn't matter where the car is garaged or who drives it, or even that you provided the money for it: it was in your friend's name and so was hers. You paid to buy a car for someone else and get the use of it--but for this purpose, the critical thing is that if you put the car in her name, it belonged to her, not you. Providing the money for a car or paying for its insurance does not give you any legal rights to it.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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