Check your insurance contract for a "third-party" clause, that essentially covers damages to your car if someone other than a listed driver borrows the car and is involved in an accident...neighbor, friend, or daughter.

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2009 ML350 (106K) - Family vehicle
2001 CLK430 Cabriolet (80K) - Wife's car
2005 BMW 645CI (138K) - My daily driver
2016 Mustang (32K) - Daughter's car