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go the easy way,,,go to dmv,,get transer of title,,call ins carrier,,put policy in your name.

any other way is an unnecessary hassle.

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But doesn't say "be continuously insured and registered to the same owner for the full year preceding the trade-in" in law...

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That's a great question! Unfortunately, the best answer i have for you right now is 'maybe.' Your father will definitely need to be on the title for the new vehicle, because he is solely on title for your truck.

The enacted legislation from Congress does not clearly specify rules for this situation. Currently the National Highway Transportation Safety Authority (NHTSA) is developing program specifics, and they have a deadline in late July to iron out these details and roll out the program. We'll know more in the coming weeks.

I would expect that there's no problem adding your name to the title on the new vehicle; however, this is an assumption because the program rules are not yet finalized. When the program rules are finalized, we'll then know whether there are any restrictions on your ability to transfer title solely your name.

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I think you are right about not transferring title of the old truck now. It may make more sense, depending on the final rules, to have your father buy the new car, using his clunker voucher, then do an intra-family transfer to you of the new car. Check with your state's MVA about doing this to be sure you don't get stuck paying sales or excise tax. And then stay tuned for the final rules - I think this may work out for you. When I transferred title to an old car to my son in MD, the total cost was $25 - but I don't think it would have made any difference had it been new/nearly new. You could eliminate the concern about the loan name by paying cash, if possible.

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The most direct and conclusive answer to "How can you overcome this obstacles to make your deal" will likely come from the "Dealer" who has the most to gain by selling you a car. The key to your successfull outcome will be stimulated by the friendly rapport you've established with the dealer from the onset.

Suggestions:

Smile a lot. Remain humble and don't be a "Wiseguy". Be as compliant as you can. To close the deal if you're encouraged by their willingness to make a deal while you're there order a large Pizza and have it delivered to you then walk it over to the "Desk Managers". Thank them for putting this deal together for you. This gesture will set you apart from the crowd who's also trying to get their deal done. I promise they'll put your deal at the top of the list!

Sincerely compliment the dealer for participating in this program and let them know you appreciate their reputation for fairness and professionalism. They rarely get positive feedback from clients and it's much appreciated. In most cases the dealer is not going to make as much of a profit as he would normally expect due to the dynamics of this program so your willingness to allow him to make money will probably encourage them to do everything possible to help you achieve your goal of taking delivery.

He'll be more inclined to work with you if you use his source of financing and if you at least say yes to the extended warranty that will inevitably be offered you by the F&I manager.

Source: This advice comes from the http://www.ChristianCarBuying.org newsletter.

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