Re: car insurance for dependent...

Whose name is on the title for this car? Is this person the
one who drives it mostly and so also has his/her name on the
insurance records for it (or should, per the law)?

If your daughter owns this car (or for all intents and
purposes and one way or another is supposed to be
responsible for this vehicle), IMO she should make her own
arrangements for insurance. Otherwise, ISTM parents are
enabling their children never to be independent. If that's
cool with your wife and you, so be it.

Otherwise, what incentive is there for this girl to be
responsible in driving this vehicle? Cars are expensive.
That is one of the first serious financial lessons a young
person transitioning to independence (hopefully between the
years of 17 and 21) gets.

Can your insurer sell your daughter a separate policy?

Lots of murkiness here. I would be interested to see your
clarification.

Re: car insurance for dependent...

hi, thanks.
She's just 16, and the car(s) are owned by the parents.
She has no income. Some insurer could write her a
separate policy. All money would be really coming
from the parents until she gets a job. I'm interested
in insurance costs and sheltering myself from financial
legal risks...
thanks
Joe

Re: car insurance for dependent...

<<I'm interested in insurance costs and sheltering myself from
financial legal risks>>

These are conflicting requirements - if you "disconnect" the
association between yourself and her, the insurance will cost more.

I suggest that you get her an older low value used car, have the title
and registration in her name, hand her a wad of cash, and send her to a
different insurance company to get her own stand-alone policy. Don't
put her on your own policy. Don't put yourself on her policy.

John Cowart