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  1. My daughter was in an accident. Her fault, no one was injured but both went to hospital. The car was in my husbands name. The insurance is in my name and the car was on my policy. My daughter is an adult licensed driver but doesn't have a car in her name and doesn't live in my home. Problem is my insurance doesn't want to pay because they say she was excluded but I don't know why. Now the insurance company is calling my husband wanting $30,000. HELP
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