Question
Can my 16-year-old daughter have a non-owners policy and drive my car?
My husband and daughter share two vehicles. My 16-year-old daughter and I are both disabled. We don't drive much at all — less than 5-8 miles per week. And I am required to carry SR-22?
Answer
In short, a non-owners policy is for someone who doesn't drive a vehicle on a normal basis, doesn't own a vehicle, and doesn't have access to one. So if your daughter only rents cars, then non-owners insurance may be a better fit. But if she is using your vehicle on even a semi-regular basis, it's best to keep her listed as a driver.
An SR-22 would not be necessary unless your license has been suspended or you've been cited after an accident or citation.
If you have any questions, don't hesitate to ask. See below for additional information that may be relevant to your situation.