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?

I suppose that depends on your financial situation and the laws where
you live. Contact your insurance agency or your carrier to discuss your
situation and see what your options are. You might also check your
state's web site to see if any online consumer resources are available
for buying auto insurance coverage.