Why did State Farm terminate my car insurance policy?

My daughter lives with us, has her own car, and hasn't had any accidents. But I got a notice from State Farm saying that they were canceling my insurance due to something about my daughter not being on my policy. Why is this a problem?

“Generally speaking, everyone in your household who is of driving age must be listed on your car insurance policy. This is because, in theory, anyone in your home could drive your car, and this presents a certain level of risk. This is probably why State Farm canceled your policy.
But if your daughter has her own insurance in addition to her own car, then she wouldn’t have to be on your policy. You would have the option of excluding your daughter from your policy, which would free your insurance company from providing coverage for her.
Try calling State Farm and explaining your situation. If your daughter has her own insurance, you can try making her an excluded driver on your policy.”
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

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