For a vehicle not titled in your name, a person must have the permission of the owner to drive it, particularly for insurance coverage/liability issues. Without you being the attorney-in-fact for your mother (under a power of attorney), you most certainly would have no legal authority to sell the vehicle or put it in your name unless your mother provided a bill of sale (even if she was gifting it to you). Since your mom is living, whether she has a Will or not at this point has no bearing on your question. Your mother would need to also sign the title over to you as part of any gifting documentation for you to put the truck in your name and get your own insurance. However, with your mother experiencing "a major stroke" there is a question of her competency/mental capacity to legally/competently sign the title over to you (depending on the stroke's impacts, physical, mental, etc.).
Answered on Nov 07th, 2013 at 6:49 PM