Can you insure a car titled to your son Or will it have to be in the parents name He will be listed as principle driver of the car on the parents policy Would this effect an accident claim?

The vehicle must be insured by the person whose name appears on the title. Only the person who holds the title/deed to property has insurable interest in said property, thus they are the only ones who can take out an insurance policy to protect it. If the parents wish to insure the vehicle on their policy, they must have the vehicle re-titled in their name and add the vehicle to their policy. Their son may be added to the policy as the vehicle's principal operator.