NLIC.org

Peter Said:

In NYS, is it possible to have two people on the regestration/title if one is on the loan?

We Answered:

Even if it is possible, DO NOT do what you are thinking about, You would be very foolish to do this and your friend would be even more foolish to do it.

Grace Said:

can you sign off a title if it has a lien on it?

We Answered:

No you cant change ownership of a car until the lien is paid off.................md

Virgil Said:

My car is a total loss from an accident. I can drive it & get it fixed myself the ins. says they get title?

We Answered:

New York State will rip you off no matter what. I suggest moving, especially if you are upstate. They screw upstate.

Betty Said:

in nys can you insure a vehicle that you dont own?

We Answered:

You can not insure a car you don't own in any state.

In order to insure the car, you will need to have an "insurable interest" in the car. That means you have a financial interest in it. You get that by being the owner of the car.


In general:

You either put the title in your name and insure it on your own policy.

Or, your mother can put it on her policy but you must be listed as a driver on the car.

Your best source of information will be your insurance agent.

Norman Said:

Can an insurance company (NYS) deny me my salvage vehicle because they think I intend to sell it?

We Answered:

Insurance companies put a "salvage value" on totaled vehicles. It is the amount they feel a salvage yard will pay them. Most companies will sell the vehicle back to the original owner for the salvage value. Ask the adjuster if they are willing to do that. If they are, they will reduce your settlement by that amount.

A salvage title is one that is issued by your state letting anyone who purchases the vehicle know that it was deemed totaled by an insurance company at some time in its past. In order to get a salvage title, the vehicle must be repaired to the point that it is considered safe to drive. Most states have inspection facilities that will make that determination.

Sharon Said:

How to re register a car in my name in NYS?

We Answered:

Just visit your local Motor Vehicles center and go ask them at Customer Service .. good luck!

William Said:

insurance and registration in NYS!!!?

We Answered:

Since I have set UK and Ireland Questions only, I will assume this is the UK:

1. Yes, your friend can insure it but there will be a question asking him if the car is registered to him and he must answer no.

2. Yes.