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That doesn't make sense. You may have misunderstood. The 16 year old driver would have to be listed on the policy as a driver. Most companies will not even allow a 16 year old to purchase insurance in their name because they are not a legal adult and an insurance application and policy make up a legal contract.

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Q: Why do insurance company want a 16 year old to get insurance when the car is insured already?
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