Legal Question in Real Estate Law in Maryland

You are confusing borrowing with owning. Whose names are on the title to the vehicle will determine who will own it following the death of the "co-signer". If the deceased's name was on the title, then a new title will be issued in the sole name of the survivor upon presentation of a death certificate to MVA. Of course, the lender's name is on the title as a lienholder and that won't change until the loan is paid off. If only the survivor's name was on the title, then nothing changes with respect to ownership.