08-28-2018, 08:08 PM
I'm guessing the accident will be the fault of the guy who hit her and his (or her) insurance company will be paying the damages. Your insurance company shouldn't have anything to pay. BUT if the other driver wasn't insured then it would be covered by your insurance company under the uninsured motorist clause, AND they may not want to pay because your vehicle's driver wasn't listed. However, if your daughter isn't a regular driver of that vehicle and it was just loaned to her then your policy should cover things. It's not unlike loaning your car to your neighbor on occasion - you're covered even though he's not listed as a driver.
The man reason for listing your kids on the policy is if they regularly use the vehicle. Not sure what the rules are, but I think they should be listed if they live with you in your house.
The man reason for listing your kids on the policy is if they regularly use the vehicle. Not sure what the rules are, but I think they should be listed if they live with you in your house.