这么简单的问题为何不直接问保险公司呢？ 俺试着解答一次。

我住Virgina，女儿也在Virgina上学，19岁。暑假她要上课，住校外，她想开车去。

----- 她现在的车保险在我的名下，如果出车祸，对方要求的赔偿超过保额，我是否必须为女儿承担赔偿。
Yes,必须的。
Parents’ assets are on the hook for any accidents that college students may get into (beyond the liability limits of the policy).

----- 如果女儿单独买保险，我是也要为女儿承担赔偿吗？
No. 但单独保险会很高。
While young drivers typically are more expensive to insure, having a separate policy would typically reduce liability exposure for the parents. Any accidents or moving violations will only impact the individual’s policy premiums, and any liability beyond the insurance coverage amounts will be limited to the college student’s assets.

所有跟帖： 

• 谢谢 -shiyishiwc- ♀ (0 bytes) () 05/21/2015 postreply 19:18:27

• 我看了下面的车祸官司，吓傻了。 -shiyishiwc- ♀ (0 bytes) () 05/21/2015 postreply 19:20:08