Typically, every member of a household is covered for every car in the house. I did not have permission from my mom but absolutely the car was covered if I wrecked it. I have a 17-year-old stepdaughter if she takes my vette for a drive without my permission and wrecks it my insurance still covers it.
That is stipulated on the policy when you take it out, if she isnt on the policy as a named driver then no the insurance wont cover it.
I dont think for one minute you would be paying the premiums for a 17 year old on your own policy
If she takes your car without your consent and wreaks it, she gets prosecuted for taking a car without consent
And what if she kills someone with it numbnuts, do you think the insurance will cover that?
North Carolina is the only state to require that a driver hold liability insurance before a license can be issued. North Carolina does allow for a "fleet license" to be issued if the license holder has no insurance, however the fleet license only allows for the driver to operate vehicles owned and insured by their employer. The license holder must produce a state form (DL-123) to prove they have insurance, requiring the signature of an insurance agent, in addition to a ten dollar fee, in order to convert the fleet license to a full license.
Some states require that proof of insurance be carried in the car at all times, while others do not. For example, North Carolina does not specify that proof of insurance must be carried in the vehicle; it does, however, require that a driver have that information to trade with another driver in the event of an accident. Some states allow for an electronic insurance card to be produced on a smartphone
