what is my liabiilty if my 19 year old daughter is placed on my auto policy?

Answer 1

I'm not sure I understand the question, but she will have the same coverage as you. State laws differ, but generally the coverage pertains to the vehicle . . . different vehicles on the same policy can have different coverage . . . but anyone on the policy is covered according to how the vehicles are set up.

Answer 2

Note that most insurance policies are about the same, but anything could differ based on where you live and the laws of that state. But in general your liability doesn't change even if you don't put her on your policy. If she drives any of the vehicles you own and insure and has your permission she is covered, and the coverage on those vehicles will apply, regardless of whether she is listed on your policy. Additional issues would vary based on the circumstances and the laws of the state where you live, but there have been situations where vehicle owners have been sued along with drivers for negligent entrustment. Parents are not usually brought in unless the child is a minor. But simply for the purpose of your insurance coverage, it should pay for any losses for which she is legally liable up to the limits of your policy. Best thing to do is ask your insurance company if you want to know how your rate will change by adding her. She is obviously a in a higher risk group, so you should expect to pay more, whether you add her now, or they add her after she's had an accident.

Answer 3

The coverage should extend to her as she's driving. With auto insurance, typically the insurance follows the CAR, not the person.

Is she an experienced driver? Or did she just get her license? Have the liability insurance increased a little just to cover your tail.

If it's low liability insurance (25/50/10) chances are it won't pay for an accident she causes. If it's higher liability insurance (100/300/100) the chances of you running out of insurance to pay for an accident are low.

Answer 4

Your liability will not change, but your insurance cost will go up. Your daughter will be covered under the same terms as anyone driving the car legally. I don't believe that you are required to inform the insurance company about your daughter in order for her to be covered. A big however here. You never want to lie on an insurance application. Doing so can jepardize your coverage in an accident.

Answer 5

You're covered up to the limits of your policy. After that, the sky's the limit -- you and your daughter share liability for any damage she causes.

If she lives in your household and she's not on the policy you may be liable for all damages, again shared with your daughter.

Answer 6

if she's over 18,technically you have no liabilty.

Answer 7

full coverage

Answer 8

the deductable if she cant pay for it