They can. If you're stupid enough to pay premiums on a car that you aren't on the note of then they're more than happy to take your money. For instance, let's say you have a kid who purchases their own car, you can add that car to their policy without being on the note. As long as proof of insurance is provided, and depending on the state you either need collision and liability or just liability then you can buy a car. Also, we don't know where she bought it. It could have been one of those buy here pay here kind of places and they play a little fast and loose with that mess.I call bullshit on that. It's been a few years since I bought a car but iirc I had to give either the dealership or bank proof that I had insurance on the car. Can you have a non-driver as the policyholder for auto? Can someone who doesn't own the car be the policyholder?
I pay for my mother's insurance. She doesn't drive much so it's not a big deal. I'm not on her note. The policy is in both of our names.