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All regular drivers of a vehicle need to be listed as drivers on that vehicles insurance policy, even if they don't own the vehicle. Failure to disclose an operator could be determined to be insurance fraud and grounds for the denial of a claim. If a 16 yr old has a driver's license but does not drive vehicles in the household an official exclusion should be placed on the policy that aknowledges that there is a licensed driver in the household that does not use the vehicles.

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Q: Does your 16 yr old need auto insurance even though he does not own a car?
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