Are dependents not added to policy still covered?

Answer 1

That depends on what your talking about.

If your dependents are driving your vehicle then they are required to be scheduled as a driver on your policy before they are considered an insured driver. Failure to schedule known drivers on your insurance policy is well known form of Insurance fraud and can void any coverage from your policy should they be involved in an accident while driving. Your insurance company can deny liability and refuse payment. Of course if your dependent is your minor child then you as the parent are still liable but you will have to pay out of pocket should this occur.

If you mean are they covered for injury while a passenger in your vehicle when you are driving then yes.