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UPDATED: Jun 28, 2016
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Insurance Question from Arrington, VA
Asked on 06/28/2016
Coverage My 18 year old daughter stay with me and sometime with her father do I have to put her on my car insurance or would she be covered if I have given her permission to drive one of my vehicles we live in the st of VA?
Answer given on July 01, 2016
If your daughter splits time between living with you and her father, she needs to be listed as a driver on one or the other insurance policy. Whichever policy she is added to will be affected by the driving experience and driving record of your daughter. She should then be able to drive either your car or his at any time.Be sure that both policies allow occasional drivers to use the cars even if they are not listed on the policy. This is the “normal” auto policy, but there are some policies that restrict drivers to those listed on the policy. If she does not have any tickets or accidents, thIf there is an accident caused by your daughter, the car she was driving will be the policy that will respond to the accident. However, the rates for her accident will only apply to the policy she is listed on.
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