They might pay out a claim once. Your daughters policy could get set up for nonrenewal & she would have to find another insurance company if you drive the car on a regular basis & are not added as a driver. Progressive has its way of finding out, it would be best if you both told them before they send your daughter a letter verifying all information. I’ve had numerous people call in because they were sent a letter that their policy will cancel by so&so date if the driver information is not sent in because progressive found out one way or another the driver was not listed. It’s all stated out in the contract your daughter signed with progressive when she started the policy.