I bought a nice 2nd hand luxury vehicle this weekend, put full coverage on it instantly. It is the weekend and fathers day so all tax offices are closed, so I decide to take the car to work monday morning, go title it before work and then head to work, monday morning on the way to go do that (I live out in the country) I’m on my way to the tax office which is quite far from me, so I start heading that way while its still dark out and someone cow from their field gets out and runs across the road and I hit it going the speed limit (60mph for the road I was on)

My question is, I had full coverage with on that car, but I hadnt had the chance to title it yet, the title was signed for transfer by both parties and we have a signed bill of sale as well, do I need to title the car in my name still for insurance to pay me out? Or is the signed title and bill of sale enough?

Edit: got it titled in my name this morning.