Allowing an uninsured driver to drive my car

The law of Ohio is that the insurance follows the vehicle, not the driver.  So, if you have the vehicle insured, your stepdaughter should be covered by your insurance while she is driving your car.  However, many insurance policies provide exclusions for coverage if the person is a resident-relative (i.e., a person related to you by blood or marriage that resides in your home).  Similarly, some insurance policies exclude coverage for drivers not listed on the policy if a vehicle is available for that person's regular use.  You should review your insurance policy carefully to ensure that your stepdaughter is covered. If she is a resident in your home (even part-time) and/or regularly drives your vehicle, it would be best for you to add her as an insured driver on your policy, or have her purchase her own automobile insurance, before letting her drive your vehicle. If she has her own insurance, and your insurance did not cover her, then her own insurance would step in and provide coverage. If she has no insurance herself, and your policy excludes coverage for her, any person injured if she would cause an accident could potentially come after you for negligent entrustment of a vehicle (i.e., you knew or should have known that she had no insurance and was not covered by your insurance, but you let her drive the vehicle anyways).  And because you would essentially have no insurance coverage, your personal assets could be attached to satisfy a judgment.  Additionally, your policy may exclude coverage for your property damage, meaning you would be responsible for repairing/replacing your own car. Best course is if she is going to regularly drive your vehicle, you should have her added as an insured under your policy of automobile insurance, or have her purchase her own insurance.