Opinion ID: 1954597
Heading Depth: 1
Heading Rank: 10

Heading: proof of insurance required to register loaner car?

Text: Defendant claims that plaintiff was nevertheless required to insure Wichelt, because under Neb.Rev.Stat. § 60-302 (Reissue 1988), [a]ll applications for registration of motor vehicles shall be accompanied by proof of financial responsibility ... or by a certificate or policy of insurance. However, according to the stipulated facts, although Auto Mart held the certificate of title on the Dodge Aries K, the vehicle was not registered separately by Auto Mart, but was operated under dealer plates. Neb.Rev.Stat. § 60-320 (Reissue 1988) provides in part: (1) Each licensed dealer in motor vehicles... doing business in this state in lieu of the registering of each motor vehicle or trailer which such dealer owns of a type otherwise required to be registered... may (a) operate or move the same upon the streets and highways of this state solely for purposes of transporting, testing, demonstrating, or use in the ordinary course and conduct of his or her business as a motor vehicle or trailer dealer .... (2) ... Motor vehicles or trailers owned and held for sale by such dealer and bearing such dealer number plates may be driven upon the streets and highways for a period of forty-eight hours as service loaner vehicles by customers having their vehicles repaired by the dealer. Auto Mart was exempt from registering the Dodge Aries K under § 60-320 because it was a licensed dealer. As such, plaintiff was not required to present an insurance policy as proof of financial responsibility and not required by law to insure Wichelt.