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UPDATED: Sep 25, 2015
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Insurance Question from Milford, CT
Asked on 09/25/2015
liability Hi, Our 34 year old daughter lives with us and is listed on our USAA policy along with my wife and I as a driver [with a clean record]. Does that mean she can drive any of our 3 cars at any time and be fully covered? If she has a very bad accident would she be covered under our 1 million dollar umbrella policy as well? Instead, would it be better if I just transferred one of our cars to her and had her get her own auto insurance policy?.
Answer given on September 27, 2015
If your daughter lives with you and is listed under your automobile policy, she is covered to drive any car in the household.If she causes an accident, she would be covered under the automobile policy and under the umbrella policy. You should be sure that the umbrella insurance company knows she is a driver in the household, but normally the umbrella policy is a “following form” policy, which means they follow the coverage of the underlying auto and homeowner coverage.If you transfer ownership of one of the cars to her name, she will need to get separate insurance. She may be eligible for discounts if you keep her insured with the same insurance company, but she will lose the multi car discount that you have for your cars. If you keep her insured under your policies please remember it is your liability if she causes a major accident.
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