I'd talk to your agent or policy services, if the child is given use of the vehicle on a regular basis, then I would think they would need to be rated on that vehicle, to ensure there is coverage in the unfortunate event of an accident.
== == Yes.
As long as the 16 year old has a valid license the policy should pay out. You will probably be required to add the driver to your policy and will be asked why they weren't listed before.AnswerIn most jurisdictions an "underage" driver must be listed on the policy and it costs more. In Massachusetts if you allowed an underage driver who resides with you to drive your car and they are involved in an accident then the insurance company will not pay the damages.
Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent increasing your policy if they are rated.
Yes. Anyone can get a policy on another family member.
Yes, it is possible.
The family member needs be excluded to keep your insurance in effect.
Yes. Some states will not cover an accident if a household member is not listed on the policy.
the policy that covers the car that is being driven.
You usually have the obligation to list all household residents and regular drivers on your insurance policy. If we are talking about your Grandparents who live in another state and never drive your can then no. If it is your sister who lives with you and borrows your car occasionally then yes she must be listed as a driver.
No. As long as you're not a supervisor and your employee is a family member to prevent claims or preferential treatment. If it's a problem, they can separate family members into different stores. You just can't supervise a family member