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. If they are going to drive the family car you can, if the insurance company allows it, but they should really have their own insurance.
The family member needs be excluded to keep your insurance in effect.
Yes, it is possible.
Yes. Anyone can get a policy on another family member.
no
Yes, If someone will be driving the car, it is recommended to add inform your insurance company and have them added to the policy.
Licensed minors do not need to be listed on the parents' insurance policy in this state. Any family member is included on the primary driver's insurance. However, the insurance agent must be informed about the fact that minors will be driving the car. They must be listed as drivers on a form and have an insurance card to drive legally. There is a difference between having an insurance card and being listed on the policy. Simply because they are not listed on the policy does not mean the rates will not go up. Different regulations may apply in your area.
Absolutely; a step child is legitimately a member of a family and can be insured, or can be the beneficary of a family insurance policy, just like a biological child.
Yes, it is very common that a member of the family be named as executor.
the policy that covers the car that is being driven.
It is called the death benefit.
If you are listed as a covered driver on the Insurance Policy then yes they will pay the claim whether you are licensed or not. Most Insurers will not offer you an auto insurance policy to begin with if you are not licensed but some will.