you don't know if she put insurance on it? most loan companies won't let you have a loan unless there is proof of insurance. so who has the insurance on it?
bank has the title until the loan is paid off. it does not matter who is the registered owner, it matters who has the title... so this will not help him in this case. if he is a co-signer and she is not paying, then he becomes 100% legally responsible for payment.
chalk it up to a life lesson learned. you need to seriously sit down with her and discuss this situation. if she is not paying, they will come after you. so perhaps it is in your best interest to pay the full amount of the payment each month because you obviously can't count on her. or have her relinquish the truck to you. you can possibly accomplish this in court, but let this one go and your credit is screwed.
this is the problem with cosigning on a vehicle. best thing to do in a situation like this is A) never do it at all or B) one owner only, that way neither of you has to deal with what happens when you break up. but maybe that would work, and i'm just guessing on this, because neither of you could qualify solely on your own.
