The function of auto liability insurance is to pay on behalf of the insured money damages for which the insured becomes legally liable to others for bodily injuries. Normally bodily injury liability pays for injuries to those in another vehicle that you harm when at fault in an accident. To see if this part of your auto insurance would cover anyone inside of your own vehicle, such as your daughter that is part of your household but excluded from the policy, contact your insurance agent.

If you instead are wondering if your daughter would be covered under you personal injury protection (PIP) you again would have to check with an agent from your insurance company, since insurance terms and guidelines can differ, but in general if she is a passenger, she should be covered for injuries. Check with your insurance company, though, to verify that the information given here is correct for you with your particular policy.