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If insurance is too costly for Sam to handle, is the "only heir" able to assist her father so he can keep it in his name?
Does she provide transportation for him or other care-taking services? Does she use it herself? Too little info is provided to help understand her involvement, IMO.
Ferris1 makes an important valid point about the insurance fraud. His assets should cover the cost of his car insurance when the car is put in only his name. Is he still able to drive? Is there a loan on the car? If so, with whose name(s)? Has she made any payments on it with/for him?
What is Sally's side of this situation? Is she benefiting in any way or is she "only" involved with the insurance savings as a "favor", fraudulent nevertheless, I believe.
An attorney is your best resource if Sally doesn't remove her name from the registration. Is the value of the car worth the cost to pursue legal action, if necessary?
Sam should be prepared to cover the insurance cost (based on his age and driving record) for the vehicle he drives.
Please keep us advised of your progress.
His sole heir (only child) benefits indirectly by whatever money was saved in this arrangement.
I'm curious. Is there so little to inherit that the car has significant value or is this just a question, with fairness and legality in mind?