Am I Covered On My Girlfriend's Auto Insurance Policy? 
As I also agree with my colleagues in most accounts in this situation , the big issue also is you stated that you titled and registered the vehicle in BOTH names , which means if something catastrophic happened driving that vehicle -LRB- NJ Law -RRB- and you were not listed as a driver/named insured , that you would not be protected under the liability portion of the policy because you are not listed , plain & simple . In NJ , if a vehicle is titled in a person 's name , you have `` insurable interest '' and also need to be listed to have that protection cover you . I personally never recommend joint ownership outside of marriage , especially on a financed or leased vehiclefor the simple reason that if anything happened to the relationship , and that loan or lease is defaulted , it will affect your credit rating/score which ultimately will affect your insurance premiums with most insurance companies ! In NJ , we would put the vehicle in your girlfriends name at minimum , and list you as a driver ; you would get a multi-car discount , wemakesure we cross all the t 's , and dot the i 's , because insurance is a waste of money if it does n't cover you ; in our state they can now deny the claim due to fraud committed , and they are now allowed to keep your premium too ! Be honest , because insurance when done properly can be the difference between sleeping good at night , or wondering how you will protect yourself from an untimely lawsuit that could end up in detached wages , etc. . Again , this is NJ info , you will need to check your particular states laws for coverage benefits , exclusions , etc. . 