This evening, I asked my daughter if she was going to have to pay for her own car insurance after she gets her license (she lives with her dad). She said she didn't know but said that her older brother is driving their dad's car without insurance. This isn't shocking news, but I am concerned about it (naturally).

My husband and I are going to look into adding the kids onto our policy but I don't think that will automatically cover them on their dad's car.

I'm not sure how all this works. Can someone please explain?