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Non-owner car insurance and registration
this is a bit unusual, but not unheard of. i have known more than one car whose owner was not its driver.  besides the obvious risk that the legal owner of the car will repossess it, this seems fairly safe.  your insurance should cover any financial liability that you incur during an accident.  even if the car is repossessed by the owner, you are only out the registration fees. i would suggest you avoid looking this gift horse in the grill.  her father on the other hand might be in for some drama and financial mess if he has a falling-out with his "friend". this arrangement reminds me of divorces where one spouse owns the car, but the other drives it and pays the loan.  usually, when the relationship goes south, one spouse is forced to sell the car at a loss.