This sounds like a very bad idea for many reasons. Merely having the insurance in your name will not create personal liability for you. However, if the vehicle itself is registered in your name (individually, or with someone else) you will be liable for injuries caused by any permissive driver of the car. That liability can exceed whatever bodily injury liability coverage you purchase on the vehicle (if you even purchase liability coverage). Further, if you made a misrepresentation to the insurance company as to who would be driving the vehicle and/or where it will be garaged, they can deny coverage for material misrepresentation. So, if the intent is to get insurance so an uninsurable person can get the car registered, you are wasting your time and possibly committing fraud as well. Also, if the car is not in your name, but it can be shown you had control over the car and for example, let a person you know or have reason to know will drive drunk, you could face personal liability.
This reply should not be considered a formal legal opinion of your case / inquiry. At this time I may not have enough information to give you a complete answer to your question and there may be more to your issue(s) then I have set out in my brief reply. If you additional questions or information, I may be able to provide additional guidance. Jonathan Groff is an AV preeminent (5 out of 5) rated Personal Injury lawyer, with a principal office in South Miami, but representing clients throughout Florida. He can be reached at, Office: (305) 661-3633 / (800) 549-1942; Mobile (24 hours a day): (305) 302-8807; Email: Jgroff@kgdfloridalaw.com; Website: www.kgdfloridalaw.com
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