Can someone answer this question?

[cadetsis7/08]

My ex-husband recently gave our 16 year old daughter a car and I was looking over the insurance papers and I realized her name was not listed as a driver. He told me that the insurance people told him she did not have to be on the insurance because anyone who drives the car is covered under the insurance. My question is does her name need to be on the proof of insurance in order for it to show that she is covered even though she is a minor. I cannot contact the insurance because I am an ex-wife and they will not release information to my daughter because she is a minor.

[AyatollahGondola]

Just because her name isn't on the original policy, doesn't mean that it hasn't been added after. Sure anyone who drives it is covered, but that applies to someone who steals it and then damages someone else's person or property also. The exclusions are what you should be looking at. If the policy has excluded coverage to non listed drivers, then it could cause some problems in covering her losses, but the insurance company would still be liable to other parties injured by her. Some policies have written inclusions for licensed minor child living in the household. Usually they specifically ask how many and what relationship those living in the household are. At that point, policholders can exclude a driver or a person not driving, say,..they didn't have a license.
I'd give the policy another look.
I'm guessing that you're worried someone is trying to save a buck by not declaring a driver

[cadetsis7/08]

Just because her name isn't on the original policy, doesn't mean that it hasn't been added after. Sure anyone who drives it is covered, but that applies to someone who steals it and then damages someone else's person or property also. The exclusions are what you should be looking at. If the policy has excluded coverage to non listed drivers, then it could cause some problems in covering her losses, but the insurance company would still be liable to other parties injured by her. Some policies have written inclusions for licensed minor child living in the household. Usually they specifically ask how many and what relationship those living in the household are. At that point, policholders can exclude a driver or a person not driving, say,..they didn't have a license.
I'd give the policy another look.
I'm guessing that you're worried someone is trying to save a buck by not declaring a driver

Thank You for your answer it really helps but her father has not added her as a driver and she asked him yesterday

[PapaBear]

Insurance companies are reticent to completely attend to claims from incidents when the driver is not listed as a legal driver. They also have a tendency to cancel a policy when a "teenaged" driver is not listed but is permitted to operate.

Their premiums are assessed based on a driver's age, experience, etc. Not listing a family member could become more trouble than you are looking for. I recommend you list her and show her as an additional driver.

[CTCI08Wife]

If cost is the issue, your teen should be able to be listed as a 'part-time' driver if:

1. The car is still in your ex-husband's name
2. She is a full-time student
3. She will be driving fewer than the designated hours (most teens going to and from school or work will qualify).

I fell under this designation back when I started driving, and only paid about $40/month (way back when :lol: -1999). My mom bought a new vehicle, but kept the old one in her name. I was a full-time college student, and working full-time (albeit for minimum wage) as well. It got me where I needed to go, at no great cost to me. Something to check into.