Our named insured sold a covered auto to his grown daughter who lives next door. Unfortunately, he never told us about it when he changed the title to her name. He gave her such favorable terms that, in fact, he never thought of the transaction in terms of transfer of anything but title. The daughter has long been listed as a family operator and her relocation next door barely made a change in their living arrangements and none in the insurance exposure that he could see.
Now there has been an accident with the daughter at the wheel; the car is heavily damaged and the daughter may be liable for injuries in the other car. Do you see where we can find coverage for this insured or his daughter?
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