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In a car loan scenario, although the bank holds the title of the car until the loan is paid off, the borrower is technically the owner of the vehicle. The insurance policy covers the borrower as the driver, not the bank. The borrower retains rights such as selling or refinancing the car. The bank's role is to hold the title while the borrower makes payments. Once the loan is fully paid, the bank provides the title, finalizing the borrower's ownership. This agreement illustrates the relationship between the lender and the borrower regarding vehicle ownership during the loan period.
