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The video discusses the concept of car ownership in the context of a car loan. It explains that when you buy a car with a loan, the bank holds the title until the loan is paid off, meaning they technically own the title. However, the borrower (like Josh in the example) is considered the owner of the vehicle. The insurance policy covers the borrower as the driver, not the bank. The owner retains the ability to sell or refinance the car, despite the bank holding the title. Once the loan is fully paid off, the bank sends the title, and the borrower becomes the outright owner of the vehicle.
