# Insuring a car thats out of state **URL:** \ **Category:** NYSpeed Automotive\ **Created:** [May 7, 2010, 10:02pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647 "2010-05-07T22:02:00Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![Karter](https://avatars.discourse-cdn.com/v4/letter/k/e480ec/32.png) [@Karter](https://forums.speedlife.net/u/Karter)\ **Post date:** [May 7, 2010, 10:02pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/1 "2010-05-07T22:02:00Z")
So a friend of mine is bringing a car up here from the south, and dosent have insurance on it, it expires this month. She obviously needs insurance to drive the car in ny. So can i start a policy for her in ny? or does she have to be here? can i add her car to my insurance if she owns it? I just want her covered for her trip up here. insight? ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [May 7, 2010, 10:03pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/2 "2010-05-07T22:03:45Z")
you have to own the vehicle for it to be on your ins. if youre so worried about it just give the owner money and have them get thier own ins policy. ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [May 7, 2010, 10:19pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/3 "2010-05-07T22:19:32Z")
pretty sure who ever registers it has to insure it too regardless of ownership. ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [May 7, 2010, 10:24pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/4 "2010-05-07T22:24:15Z")
> [@travisn](#): > > pretty sure who ever registers it has to insure it too regardless of ownership. this makes no sense. are you suggesting that you can go into the dmv and register a vehicle that you dont own? ---
**Author:** ![Jam](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jam/32/7235_2.png) [@Jam](https://forums.speedlife.net/u/Jam)\ **Post date:** [May 7, 2010, 10:34pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/5 "2010-05-07T22:34:32Z")
you can add her as a driver on your policy if its registered in her name, then add her car. just call your insurance company not a big deal really. i just added my gf to mine :picard: ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [May 7, 2010, 10:54pm UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/6 "2010-05-07T22:54:14Z")
> [@XwalkerX](#): > > this makes no sense. > > are you suggesting that you can go into the dmv and register a vehicle that you dont own? yep. the owner just has to sign a paper. i have done it. (the title stays in the other persons name, no title fee, etc) edit: > [@NYS DMV](#): > > Can the registration document and the title certificate for a vehicle show two different names? > > Yes. For example, one spouse can be the owner and the other spouse can be the registrant. When a vehicle is leased, the leasing company is normally the owner and the customer is the registrant. > > The owner (the name on the title certificate) must authorize the other person to register the vehicle. The owner must complete box 3 on form MV-82, or complete form MV-95. > > When you apply for a vehicle registration, you must provide the original proof of ownership. If the proof is a NYS title certificate in the name of the current owner, the title certificate is examined and returned to you at the DMV office. If the proof is not a NYS title certificate in the name of the current owner, the DMV keeps the proofs and mails a NYS title certificate to the owner within 90 days. Carefully read the information about proof of ownership for all of the requirements. > > The required liability insurance and NYS insurance ID card must display the name of the registrant, not the name of the owner. > > Either the registrant or the owner can bring the application for the registration and the title certificate to a DMV office. The person who applies must show the original proofs of identity and date of birth for both the registrant and the owner. If you send the application by mail (see “Register Your Vehicle While You are not In NYS”), you can send photocopies of the proofs of identity and date of birth. If you apply by mail, all other proofs must be the original documents. [http://www.nydmv.state.ny.us/register.htm#different](http://www.nydmv.state.ny.us/register.htm#different) ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [May 8, 2010, 1:44am UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/7 "2010-05-08T01:44:15Z")
> [@Jam](#): > > you can add her as a driver on your policy if its registered in her name, then add her car. just call your insurance company not a big deal really. i just added my gf to mine :picard: at least when i worked at geico we would never add a vehicle that wasnt owned and registered by the policy holder. ---
**Author:** ![sonson\_jdmvtek](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sonson_jdmvtek/32/5269_2.png) [@sonson\_jdmvtek](https://forums.speedlife.net/u/sonson_jdmvtek)\ **Post date:** [May 9, 2010, 11:05am UTC](https://forums.speedlife.net/t/insuring-a-car-thats-out-of-state/154647/8 "2010-05-09T11:05:02Z")
U can ins a car even if its not urs and someone else is driving it.no1 needs to knw who car it is jus make sure the person is a careful driver u dnt want to fk up ur insurance… And yea u can register it and the title can stay in her name… I have a suggestion if she is driving up here from the south either u or her can ask for a transfer plate I’ve had one before