Definitely talk to your agent. If you carry collision, I believe you will need to list your daughter as a driver of the vehicle. Remember, the insurance company will weasel out of payment in any way they can, so make sure to dot the i's and cross the t's. With a 16 yo driver, you have a fairly good chance of needing the insurance.

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On some nights I still believe that a car with the fuel gauge on empty can run about fifty more miles if you have the right music very loud on the radio. - HST

1983 300SD - 305000
1984 Toyota Landcruiser - 190000
1994 GMC Jimmy - 203000

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