Owning and operating are 2 totally different things. You absolutely can own a car but not be able to operate it and you also can operate a car legally without owning it. Period.
Financing a car is a slightly different ballgame in which you are agreeing to more rules and conditions but these are independent based on the specifics of the contract. The rules exist within the law but are nit THE law.
Is this legal?
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Owning and operating are 2 totally different things. You absolutely can own a car but not be able to operate it and you also can operate a car legally without owning it. Period.
Financing a car is a slightly different ballgame in which you are agreeing to more rules and conditions but these are independent based on the specifics of the contract. The rules exist within the law but are nit THE law.