However, you could face issues if the vehicle remains uninsured. If it’s uninsured and marked a total loss in an accident, you could be responsible for paying for the remaining loan balance. This is why it’s extremely important to co-sign a loan for someone you trust. If you’re concerned about legal obligation to the vehicle, you may want to consult a lawyer.
A lawyer can help with next steps should your ex-boyfriend not maintain insurance. You can also reach out to the lender directly to find out if there is a cosign release clause in the contract.