CalieBayGirl said:
If your husband's name is on the insurance policy for "your" child, he will be responsible for any thing over and beyond your coverage.
My response:
Calibaygirl is mistaken.
It doesn't matter whether your husband is on the policy or not. Insurance coverage has nothing to do with liability in this instance. Simply, and unless your husband has adopted your daughter, then he has no liability, and responsibility for anything she does with the car. What matters is:
1. Adoption;
2. If his name is on the ownership title.
If your husband is not a named owner of the vehicle, then again, he has no liability or responsibility.
His property and money that was his BEFORE your marriage is also untouchable. However, and due to the fact that California is a community property State, anything earned by you or jointly held by both you and your husband AFTER the marriage is at risk, due to your ownership interest; e.g., a house purchased after the marriage.
To put your mind (and finances) at ease, I would strongly, and heartily, suggest that you obtain as much coverage as you can buy under your current auto policy, and then buy a One Million Dollar "Umbrella" policy on top of that coverage.
You never know if she'll wipe out a doctor and his or her family in an intersection.
Good luck to you.
IAAL