If your daughter was exempt or excluded from the insurance policy and thus not supposed to drive the vehicle, she would not be covered. Insurance companies will typically cover various people driving your car but NOT cover an excluded person that drives the vehicle and has an accident.

When excluding a driver on a policy there is normally wording saying that you agree that none of your insurance coverages afforded by your policy shall apply while the excluded driver is operating your vehicle.

When an excluded person has an accident, it is usually the excluded driver and the vehicle owner that are held accountable since the insurance carrier will not cover the vehicle in such a situation. You can contact your insurance company to make certain that they will not cover an exempt or excluded driver and see if they have any other suggestions for you.

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