Any car insurance experts here?

[terracore]

I have a daughter going to college on Oahu and she is 18. I asked the insurance company USAA about removing her from the policy since she doesn't own a car there and can't drive our cars from hundreds of miles away. The answer I got was pretty much that if I took her off the policy, she could never drive our cars again. That doesn't make any sense to me. If I loan my car to my neighbor, it's covered. What difference would it make if the daughter came to visit (say, for a weekend) why would she have to be on the policy to drive our car?

Comments?