2 names on a title but only one drives vechicle do they have to be on the policy to get insurance

If two people are listed as owners of a vehicle on the title, both individuals should be listed on the insurance policy to ensure that they are covered in the event of an accident. Even if only one person will be driving the vehicle, it is important to list both individuals on the policy. This is because insurance policies are typically written to cover the vehicle and anyone who is legally allowed to drive it. If only one person is listed on the policy and they allow someone else to drive the vehicle, that individual may not be covered in the event of an accident. In some cases, the insurance company may even deny the claim, leaving the driver and the owner responsible for any damages or injuries. Additionally, insurance companies often require all owners of a vehicle to be listed on the policy to ensure that they have accurate information about the vehicle and its usage. This can help the insurance company to properly calculate the premium and ensure that the policy provides the appropriate coverage. In summary, if two people are listed on the title of a vehicle, it is important to list both individuals on the insurance policy, even if only one person will be driving the vehicle. This will help to ensure that both individuals are covered in the event of an accident and that the insurance policy provides the appropriate coverage based on the vehicle's ownership.