> wrote in message
oups.com...
> 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?
>
> 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?
>

What insurance company do you have where they don't ASK about other
household members, regardless of age? I think your question is moot. You
are going to pay out the ass anyway. If you lie and claim that there IS no
16-year-old in the house, you will save money until you have an accident.
Then the claim will be DENIED, and you will pay all
damages/injuries/hospital bills out of pocket. -Dave