Most Texas Auto Insurance Companies will not allow you to add a vehicle to your policy that is not registered in your name.
In addition, most Auto Insurance companies in Texas will not allow the registered owner to list you as a driver on their policy unless you live in their household.
As a result, for years, this has been a very difficult situation to insure. Many Texas Auto Insurance companies will not insure this situation at all.
Fortunately, we now represent a couple of different insurance companies that will offer coverage in this situation. They will write the policy in your name, add the vehicle to your policy and list the registered owner of the vehicle as an additional insured. This will provide coverage for you, the vehicle and the vehicle owner. It should also be acceptable to the lienholder. Please contact our office for additional information.