do I have to have full coverage if the title is in my name
On every auto application, there is a question will ask: "Does the vehicle have a salvaged or branded title?" If this is the case, you will not be able to put full coverage, (comprehensive and collision coverage) on the vehicle. Sometime you can get special exceptions from your insurance carrier to get the full coverage put on if all damage was repaired. It is much harder to get full coverage on a salvaged title vehicle.
Yes you should be able to.
My insurance provider, Hanover, told me that they would only write liability coverage, and not full coverage on my truck that was flooded and totaled in New Orleans.
Your lienholder will almost certainly require it.
Absolutely you can, call your local insurance agent.
I know of no insurance company in any U.S. sate that will give you full coverage on a salvaged vehicle.
In my state you only need to have Liability insurance the get a title and register the vehicle. If, however you have a loan on the car the lender will require you to have full coverage.
you need to pay off GMAC to get it out of your name. Otherwise, GMAC will REQUIRE you maintain full coverage insurance on it as you still own it if you don't transfer the title. to get the title, you have to pay them off.
If only your name is on the title and the loan is not listed as a lien on that title then you are the legal owner. If someone else obtained a car loan for you then their name should be on the title to the car with yours. The question of ownership should be addressed if someone was kind enough to borrow money for you to have a car. The car should have full insurance coverage in case of an accident.
You cannot transfer the title while the lender has a lien on it and they will NOT release the lien until the loan is paid off. They will also NOT allow any names on the title that are not on the loan papers.
In califorani it deponds on the insurance company. Shop around. It is also possible to get a "non-owers" policy if you do not own a car.
Your name must be on the Title or Loan in order to get car insurance under your name. Otherwise this is considered Insurance Fraud. It is punishable by the law.