How to insure permitted driver when mom & dad have different households?
Looking for some guidance; my daughter is a permitted driver and is listed on my auto policy as such. When she drives with me, it is only in my vehicle and with me as the adult supervising.
I am the parent with physical custody, her dad lives in a separate household and carries his own auto insurance. He allows her to drive his vehicle on occasion well when she visits.
Does Dad also need to carry her as a permitted driver on his own auto insurance policy?
The reason I ask is because I do not want my auto insurance to be held liable for damages that may occur while my daughter is driving with him. Also, they are planning a long road trip in a week and my daughter has said she will be driving on this trip in a car that her father will rent (presumably, so he can sleep). I do not want my auto policy to cover this or any damage/accidents in the rental car simply because he chose to allow a teenager to drive (that would not be my choice).
Do I tell Dad that his auto insurance needs to reflect coverage of our daughter and ask for proof before they depart as a way to cover myself if the rental car is wrecked?