Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
You don't have to live there as long as you are listed on the policy.
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
parents if the insurance is under their names
Parent's policy pays
You do not have to live with them as long as you are listed on the policy.
If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.
An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.
It could be an insurance policy taken out with an insurance company in case of an accident.
Simple. You'll get in trouble with not only your parents but also with the police [maybe] or the insurance company. Be Carful what you do with your parent's cars!!!
If the child is over age 18, then the parent is not responsible for the child's medical bills. The child is legally responsible for anything that the insurance policy did not pay.