Thanks for your question. This can be tricky. Many policies have a permissive use
clause in their policies. This would cover an infrequent user of the vehicle. However, permissive users typically cannot be related to you or live in your residence. In this case, it isn't likely that your insurance company would cover her for the damage if they know she has driven the vehicle for the accident on July 6th. If she's going to be driving your current or new vehicle, add her to your policy immediately. As for your second question, many companies do have a grace period for two weeks for any newly acquired vehicle
. Again, I would add it immediately to avoid any difficulties. Best of luck, and please ask
if any other questions arise.