if my 16 year old is covered on my ex wives auto policy do i also have to insure 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: Jan 7, 2014

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Insurance Question from Myakka City, FL

Asked on 01/07/2014

if my 16 year old is covered on my ex wives auto policy do i also have to insure her my 16 year old lives with my ex wive she will sometimes drive my car but why should i put her on my insurance if she is on her mothers

Answer given on January 14, 2014

If your daughter is living with your ex wife and is insured under her insurance policy, you do not have to add her to your insurance policy.She will be covered if she uses your car and causes an accident. It will be your insurance coverage that would be responsible in that event, since insurance follows the car. However, your rates will not be affected in that situation. Any rate adjustment will go to your ex-wife’s policy since that is where the daughter is insured.If your insurance company asks about your daughter explain she does not live with you and she has other insurance. They may ask for evidence of the other insurance. Provide that to them, or they will insist that she be added to your policy. If they still want to add her to your policy, ask your agent for assistance or speak to a supervisor. They cannot require duplicate insurance coverage for a driver.

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