Is my daughter covered under my car insurance even I don’t put her on my police?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 1, 2016

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Insurance Question from Long Grove, IL

Asked on 03/01/2016

Is my daughter covered under my car insurance even I don’t put her on my police? My former husband is claiming I don't have to put our kids on my car insurance policies because I'm insuring the cars not the kids....but I don't think that is right....help

Answer given on March 12, 2016

If you have a daughter who lives with you, is licensed and drives your car, even occasionally, you should add her to your insurance policy.If she has her own car and insurance, then you do not need to add her, since she has her own insurance coverage. If your former husband is listing her on his insurance policy, then you do not need to add her, since she would be covered under his policy.If she causes an accident in your car, even if she is not listed but is insured elsewhere, your insurance would pay for any injuries or damages. Having said this, make sure your insurance company does not exclude drivers if they are not listed on the policy.In a summary, your daughter needs to be insured somewhere if she is licensed and driving. Duplicate coverage is not required, but she does need to be covered by some policy.


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