Can I add my daughter to my insurance policy and cover her vehicle even though she lives in another state & some else is on her title with her?

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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: Nov 15, 2011

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Insurance Question from Aurora, CO

Asked on 11/15/2011

Can I add my daughter to my insurance policy and cover her vehicle even though she lives in another state & some else is on her title with her? I am in Colorado & she is in Kansas. She and her husband are on the title together but I want to add just her to my policy. I also wanted to add that vehicle to the policy as well. Is there a way to work that scenario out?

Answer given on November 16, 2011

Auto insurance is written in the state where the car is registered and garaged. In your case, this would be Kansas for your daughter and her husband. In addition, the insurance should be in the name of the registered owner, again your daughter and her husband. It is their liability they are trying to protect. If you are not on title, you should not put your name on the insurance policy. By doing so you could expose yourself to a lawsuit if there is a large claim or accident. It could also complicate a settlement with the insurance company since you are not an owner of the car.You could have the policy sent to your address for payment of the premium. Your daughter’s insurance agent should have no problem doing this once explained you are simply paying for the policy. Many parents do this for their children and by not having your name it protects you from exposure to a loss.

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