If teenager isn't on insurance are they covered by parents policy?

Answer 1

NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle.

The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.