Response: The Law requires that all drivers operating a motor vehicle on public roads carry proof of financial responsibility. There is no exception for those who drive only occasionally. If you occasionally drive on public roads then you need liability insurance on those occasions. This would mean that as an adult you would be responsible for the liability caused by your child since the child is minor.

Secondly all licensed household members should be listed. Especially , young teens are more likely to be involved in an accident because of inexperience. . Even if it’s an “old car” and you can easily replace it liability for injury to another person or property is what really can be costly. Since this 17 year old is still a minor if he/she hurts someone YOU ARE RESPONSIBLE! And that can run you into the thousands of dollars and your insurance company won’t pay a dime if the dhal was not listed on your policy. Even for the slightly older child, say 18 to 20 something, whom some have argued doesn’t have much to lose. How about a court that orders his/her wages to be garnished for the next decade to pay for damages?
Last but not least, if you have failed to include all the members on the policy who are driving, the insurance company can refuse your claim on grounds of misrepresentation and even cancel your policy.