Sure, you sound knowledgeable. I have to give your “Lien Holder” suggestion the thumbs up. You provided the ultimate solution to the problem. Congratulation. It is the way to go if a fail-safe insurance policy for her isn’t possible. I do not plan to be in the picture at all. Her policy must cover full liability, comprehensive and collision. In any case, I would not file a claim with my insurance, and having had insurance policies for over thirty years, I know insurance does not get involved unless I file a claim. No claim, no worries. That leaves us with the risk you mentioned earlier, the case in which if she is at fault in an accident and a claim is filed against her insurance and her policy reaches a maximum, then she will have to pay out of pocket. But what if she does not? Then, since I own the car, will their insurance come after me or my insurance? At that point, me and my insurance will be involved against our will. The answer was provided in the link I mentioned above (https://www.maggianolaw.com/can-car-owner-sued-another-drivers-accident) that I would not be responsible and in the conclusion that it was not up to our opinions…that if NC State Law does not allow her to have insurance while I own the car and if an insurance policy carrier does not agree to it and or proves to us that her policy can solely handle claims filed when and if she is at fault in case of an accident (even if she her policy reaches a maximum), then there is no point to the consideration of a double policy option, and your Lien holder solution would be the only viable option. Hey, brilliant!