> " wrote:
>> What risks does one take when they get insurance to cover anyone
>> driving the vehicle and a 16 year old household member wrecks the car?

What part of the world are you in? Around here, all car insurance
covers anyone who drives the car with the owner's permission. You can
sometimes get an exclusion for a specific person but companies don't
like to write those, because the courts often make them pay out anyway.

>> I know you should add the driver to the policy and pay out the ass but
>> are you required to to be covered in case of an accident?

Yes. If you own a car and allow it to be driven, you must insure it.

Most insurance companies now insist on knowing your kids' names & ages
when you sign up with them, so when Junior turns 16, he goes on your
policy unless he gets one of his own.