Does full coverage insurance cover unlicensed driver?
Not necessarily. Full coverage does not describe who is covered,
but what is covered. In fact, full coverage is not an industry
standard term. Most people that use that term, mean that they are
carrying comprehensive and collision coverage. Those are the
coverages that repair your vehicle after an accident.
Every insurer is different in terms of who must be listed on
your policy to be covered. Please check with you agent to be
certain how your policy works.
Source: Insurance Agent 8 years.