General Insurance

If the vehicle is registered in your name I would keep it insured. Florida will suspend a license of the registered person if a vehicle isn't insured.

There really isn't a global policy that can be used for what you are needing, nor does "temporary insurance" exist. The good news is most insurance plans are paid month-to-month and have very minimal penalties for canceling — if any penalty at all.

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.

Yes, you should be reimbursed if you were actively insured during that time. I would call the carrier you had and make sure the lien info is listed correctly, and then obtain all declarations and a letter of experience.

Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.

Every state has separate laws, insurance plans, and registrations, but you shouldn't have an issue buying a vehicle in one state and moving to another state. If at all possible, I would wait and buy the vehicle in California — this way, you would only pay all the fees once.

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy.

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.

Since the car is kept at your home, you would need to insure the car in your name and address. You will also need to list your mother as a driver on the policy since she is the owner, and as an additional interest on the policy since she has a financial claim to the car.