Is My Child Covered By My Auto Insurance? 
Auto insurance follows the car not the driver or occupant . If your child is unlicensed and operating the car , the provisions of the policy would remain in effect . If your child is an occupant in the car and is hurt in an accident for which the driver of your car is at fault , there can be limited coverage for his medical care . If the driver of the other car is determined to be at fault your childs medical cost will ultimately be paid by the other driver . If your child is struck by a motor vehicle while a pedestrian there can be limited medical coverage . 