When considering car insurance coverage, it's essential to tailor it to your specific needs. Basic coverage options include:
1. Liability Coverage: This is typically required by law and covers bodily injury and property damage you may cause to others in an accident.
2. Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident with a driver who has little or no insurance.
3. Collision Coverage: Pays for repairs to your car in case of an accident, regardless of fault.
4. Comprehensive Coverage: Covers non-collision incidents, such as theft, vandalism, or natural disasters.
5. Personal Injury Protection (PIP) or Medical Payments: Pays for medical expenses for you and your passengers.
6. Additional Coverage: Consider extras like roadside assistance or rental car coverage.
The right coverage depends on your car, budget and individual circumstances.

Replacing a vehicle title is essential if it's lost, damaged, or stolen. The process typically involves these steps:
1. Contact the DMV: Reach out to your state's Department of Motor Vehicles (DMV) or equivalent agency. They can provide guidance on the specific requirements and forms for title replacement.
2. Complete the Application: Fill out the replacement title application, which may be available online or at a DMV office. Be prepared to provide information about your vehicle, such as the VIN, make, model, and current odometer reading.
3. Provide Identification: You'll likely need to prove your identity with a valid driver's license or other government-issued ID.
4. Pay the Fee: There is usually a fee for a duplicate title, which can vary by state.
5. Submit the Application: Send or deliver the completed application, along with the required fee, to the DMV.
6. Wait for Processing: The DMV will process your request, and you'll receive the replacement title once it's approved.
Keep the replacement title in a secure place, and consider storing a copy separately from the original to avoid future issues.

Adding a driver to your car insurance when they live at a separate address is typically possible, but it can depend on the insurance company's policies and the specific circumstances. Here are some key considerations:
1. Residency: Insurance companies often want to know where the driver primarily resides. If the new driver is a household member, even if they live at a separate address, they may need to be listed on your policy.
2. Household Members: Some insurance policies require you to disclose all household members of driving age, regardless of where they live, to assess the risk accurately.
3. Occasional Drivers: If the individual will only occasionally drive your vehicle and does not share your household, they may be covered under your policy without being a listed driver. However, it's essential to clarify this with your insurer.
4. Notification: Always inform your insurance company about any changes in the drivers of your insured vehicles to ensure proper coverage.
Adding a driver from a separate address may impact your premiums or the coverage provided, so it's crucial to discuss this with your insurance provider to understand the specific implications and requirements.