If your daughter is driving your car and she's not listed on the policy, it's possible that she may still be covered under your car insurance. Insurance policies typically cover the car, rather than the driver, which means that anyone who is driving the car with your permission would be covered in the event of an accident. However, it's important to check your policy to confirm that this is the case, as some policies may have specific requirements or restrictions when it comes to additional drivers. Additionally, if your daughter is a licensed driver and lives with you, you may be required to add her to your policy as a listed driver in order to ensure that she's properly covered.
It's also worth noting that if your daughter is not listed on your policy and she's involved in an accident while driving your car, it could potentially lead to complications when it comes to filing a claim. Insurance companies may require additional information or documentation to prove that the driver was authorized to operate the vehicle, which could delay the claims process. To avoid any potential issues, it's a good idea to check with your insurance provider to confirm their policies and procedures regarding additional drivers, and to ensure that your daughter is properly listed on your policy if she's a licensed driver living in your household.