I am buying a car for my daughter and taking out a loan. dealership says insure...

rockon1

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The insurance company will only insure the car to the person named on the title otherwise it would create what they call a "moral hazard"

If the car is titled in your daughters name then the insurance can be in her name as well.
 
...has to be in my name? Why? Why can't the car insurance be in my daughter's name?
 
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