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When you buy a car with a loan, you are the owner, but the bank holds the title until the loan is paid off. Despite not having the title, you have full ownership rights, including the ability to sell or refinance the vehicle. The insurance policy is on you as the driver, not the bank. Once you pay off the loan, the bank sends you the title, completing the transfer of full ownership. This arrangement signifies that you are responsible for the car, while the lender retains the title as a security until the debt is settled.
