Here's the story.
My daughter is 16 and lives with her mother. She has her mothers address on her drivers license.
I want to lend her my Mercedes to drive for a while and I'm trying to figure out how to insure her.

According to Florida law as soon as she got her drivers license she was covered under her mothers insurance (her mothers insurance went up).

The ex is trying to tell me to leave all the insurance the way it is because in case of an accident her insurance would cover it anyway. Even if I insured her seperately.
She says that, if my daughter had an accident she borrowed the car and her insurance would cover the liability part & my insurance would cover the car.

Does this sound right? It kind of stinks like a rat to me.

I think she's getting her info from the fact that my daughter was in a car accident as a passenger and her insurance had to pay for it since my daughter is covered under her insurance.

Maybe she's right but I need to know fast!

Danny

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