I think there are a lot of lessons here. Btw, you should be insuring the car for yourself, not the shipper. If I buy a car, I call my insurance company, give them the serial number and they insure it. About a month later I go and get the title from the state. I'm confused about the relationship between the title and insurance. That said, he has given you an out to ethically back out of the deal. BUT, I'll reiterate that all of this should be been figured out before making the deal.