In article .com>,
> 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?
>
>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?

Read your policy. Often related members of one's household are NOT
covered if they aren't added to the policy.

--
There's no such thing as a free lunch, but certain accounting practices can
result in a fully-depreciated one.