My daughter no longer is a household member. She has moved out and has changed her address with the Secretary of State, etc. She does not own a vehicle. I no longer want to continue having her listed as a primary driver on my vehicle but want her to be covered if she occasionally uses the vehicle. What options do I have? My agent told me I had to have her as primary on one of my vehicles because I have more than one vehicle. Is this true? Why can't she be listed as an occasional driver?

Ultimately, it is up to your insurance company as to whether your daughter has to be listed on your policy as a driver or not. With that being said, some insurance companies will allow you to remove your daughter from your policy with proof she does not live in your household any more or proof she has her own policy.

That being said, most companies allow coverage for "occasional" drivers provided that the "occasional" driver does not live your household, and your vehicles are parked at your residence at the end of the day. You may want your daughter to look into a "non-owner" policy that will help cover her for vehicles not provided to her on a regular or frequent basis.It would be secondary to the car owner's insurance on a vehicle but would provide her with coverages if the policy limits of the car owner, such as yourself, were exceeded. A non-owner policy may be enough for your insurer to allow you to take her off the policy along with proof she is no longer living in your household.

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