* Legal Responsibility: Insurance policies are linked to the registered owner. The owner is legally responsible for the car and any damage or injuries it causes.
* Proof of Ownership: Insurance companies require proof of ownership (like a car registration certificate) before issuing a policy.
* Risk Assessment: Insurers assess risk based on the owner's driving history, age, and other factors. They need to know who they're insuring.
Alternatives if you're not the registered owner:
* Get added to the existing policy: If the registered owner is willing, they can add you as a named driver to their insurance policy. This will cover you while driving the car.
* Get a temporary policy: For short-term use, you can get temporary car insurance (also known as "non-owner insurance"). This covers you while driving a car you don't own.
* Rent a car: If you need to drive a car regularly, renting a car is a good option. Rental companies usually include insurance in the rental price.
Important Note: Driving a car without proper insurance is illegal and carries significant risks, including fines, license suspension, and even imprisonment in some cases.
It's always best to discuss your situation with a licensed insurance agent to determine the best course of action based on your specific needs and circumstances.
