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I don't know why you ignore the obvious. This is small claims court. She has to take full legal ownership or walk away as if she never had it. Her refusing to get insurance IS his counter claim. She never took full ownership, payments don't mean anything without documentation. He still had a key AND the title, and etc. etc. etc.
You are making up the part about insurance being required after the agreement. Nobody sells a car then agrees to pay insurance (excepting for the more than reasonable you have till my insurance runs out). You are implying things that don't exist.
FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT FACT 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