Reader’s Question:

We live in Kansas City, Missouri and I just want to know, is my car covered when my daughter drives it, if she is on his mother’s car insurance and my insurance is canceled? Does the vehicle legally have to be covered, the driver, or both?

John

Kansas City, MO

Missouri insurance follows vehicles, not the driver like in all states. I am not sure what you are asking. If you have no auto insurance on your car and your daughter drives it, her mother’s insurance won’t extend to your car. She can always report the accident to them if she has one, and they will have to examine your insurance policy language to know if the car qualifies for coverage with them. I am not going to get into the details of an insurance policy, but I will say it’s a possibility, but nothing you should bank on.

Basically you can’t “jump” on her mother’s policy for coverage just by the mere fact that your daughter drives the car. If it’s furnished in any way for his regular operation of the vehicle, it will most certainly not be covered.