If I Paid for a Car but It is in Someone Else Name, Do I Have Rights to It?



 Some people sometimes don't have the money to buy a car on their own. In this case, you can buy a car for someone as a gift. When you do this, you have to be careful about the name that stays in the title . If you put the car completely in someone else's name, you may lose ownership rights.

Many states do not allow people whose names are not on the proof of ownership to register a car in their name.

If you pay for a car for someone else, decide right away if your name will appear on the title to avoid potential problems.

Title
Having a vehicle in someone else's name means you are included in the title. The purpose of a title on a car is to show ownership. This means that if you bought a car for someone else and only put their name on the title , they are the legal owner of the vehicle, not you.

Borrowed Funds and Titles
If someone borrows money from you and uses it to buy the car, ideally your name should be on the title as a lien holder. Doing this asserts your right to repossess the vehicle in the event that the person who borrowed from you does not repay the car loan.

Title Transfer
If your name is not on the vehicle's title, you may be able to convince the owner to transfer the title to you, depending on the circumstances. The person on the title does not have to agree to this, but unless you sue, this is the only way to get the vehicle back.

Generally, to transfer title, the person named on the title must complete a transfer of title application and sign the title to show that they have authorized the transfer.

Can someone else register my car in their name?
The general rule in this regard is that you cannot register or perform such a relevant action on a document or property, such as a car, if the car is not yours. That is, if you don't have your name on the title deed or proof of ownership.

Some states allow you to register cars that don't have your name on them, but there's a catch; you must have obtained the undeniable approval of the owner of the vehicle; that is, the person whose name appears on the proof of ownership.

Advantages of having someone else register my car in your name
The only advantage of letting someone else register your car in your name, for you, is that you don't have to bear the consequences only when something goes wrong or you commit a crime with the vehicle.

When something goes wrong while driving, you may have committed a crime; run a red light, commit a hit-and-run, tax evasion or any other problem on the road, the first thing they check to locate the car is the name on the registry.

Also, if you have a crash, it becomes a problem for whoever is listed on the record and it doesn't affect you. It will affect their insurance premium instead of yours.

Disadvantages of someone else registering my car in your name
Any time you get pulled over by the authorities, there may be problems trying to explain name discrepancies on all the car documents. It is in your best interest to avoid this as much as possible.

Another disadvantage of letting someone else register your car in their name is that they will never have full control over your vehicle. Imagine needing someone else's permission to make decisions about your car.

For this reason, it is generally recommended that you register your car yourself or at least, whoever registers it for you should do so in your name.

It should be noted that the Texas Department of Motor Vehicles does not require a driver's license to register and register a vehicle - plates can be obtained with a passport. However, the car must be insured in your name and at Sigo Seguros we do not ask for a driver's license to process your car insurance .

In conclusion, the best thing you can do, as a car owner, is to register your car yourself and in your name, as there will literally be no tangible benefit to letting someone else register the vehicle in your name.

Sigo Seguros is always with you!

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