I'm a senior citizen. Will my car insurance premium increase if my daughter drives my car to take me to my doctor appointments?

No, your insurance premium will not increase. Your family and friends are automatically covered under your car insurance policy if you give them permission to drive your car. Your car insurance policy insures "you, any relative, and anyone else using your car if the use is (or reasonably believed to be) with your permission."

However, there is one caveat. Your friends and family are covered as long as they do not live in your household. If your daughter lives with you, your car insurer requires that you add her to your policy in order for her to have coverage. That would indeed increase you premium. But as long as she doesn't live with you, your daughter is covered and you don't have to pay a higher premium for her to drive you to your medical appointments.

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If your daughter caused an accident while driving your car, your car insurance would pay for the damage and you would owe the deductible. In "pro rata" cases, insurance companies share the cost of an accident. Say, for instance, your daughter was at fault in an accident that caused damage to other cars. In a pro rata case, your insurance would pay the full cost of the accident, and then would seek a proportionate share of compensation from your daughter's insurance company.

All this being said, it's not a good idea to lend your car to your daughter if she's uninsured. If she caused an accident with damages that exceeded your policy's liability limits, the injured parties could come after you for medical and property-damage expenses.

For more, see when your friend crashes your car: the rules of auto liability.