If the names on the title of your car and the named insured’s on your auto policy do not match, you will not have coverage in the event of a claim.
One of the most important things to remember is that the named insured listed on your insurance policy needs to match the names on the title of the vehicle. If John and Sally Doe’s son, Donny Doe, buys his first car and the title to the new vehicle has only Donny Doe’s name on it, but he adds this vehicle to mom and dad’s auto policy (John and Sally Doe listed as named insured), THEY WON’T HAVE COVERAGE! The names on the title have to match the insurance policy’s named insured for coverage to apply. You need to communicate this information to your agent. Don’t get caught thinking you have coverage when your son Donny Doe might not!