If you have a licesed driver living in your home, and they are not on your policy, are they covered? 
That can depend upon your insurance company . Some companies extend coverage to anyone you designate to drive your car regardless of their being listed as a driver . However , that having been said , willfully choosing not to tell your insurance company that you now have a licensed youthful driver residing in your home would constitute a fraud . Such action prevents your company from charging adequate premium for the risk they are assuming and might give them grounds to deny a claim that was caused by that child . It is a large risk that should be avoided by just telling your Insurance Professional. , 