
Answer:
If the child is a licensed driver living in your household, the insurance company assumes that he will drive the car. It is possible to have an exclusion added to the policy (more likely to be the company's decision after the minor has had 3 or 4 claims) that states the child will not drive it. If you have this exclusion, there is NO COVERAGE IF THE KID IS DRIVING, so don't even let him back it out of the garage.
"I wanted to thank you and acknowledge your outstanding assistance with our insurance needs during this past year. Even though this is a second home for us on Fripp Island, complicated by distance and a variety of insurance needs, you simplified the process and solicited a number of competitive bids for us to choose from. Finally, your quick response and follow up to any issues that have arisen is much appreciated! "
Bill & Andrea Pierce
Fripp Island, SC