If a daughter and father are both named on the vehicle title and the daughter gets her own PAP. So now she has a separate policy from the father. However, he is still named on the title with the daughter so does the father have PAP liability coverage on his policy if a claim occurs involving that vehicle? Would the father have coverage on her policy, on his policy, on his Umbrella policy? Would her limits defend him until exhausted and then his would kick in?

PART 2 -

Yes, let me give more details. The daughter does not live at home. The concern is for the father and his liability coverage. The vehicle will only be listed on the daughter's policy even though it is titled to both of them. It could be a case of the Friday's but I am struggling to line up the coverage for the father's liability if the vehicle is involved in BI/PD to a 3rd party.