Does My Auto Insurance Cover My Son? 
If your son is a licensed driver , he should be added to your policy as a driver -LRB- even if it is only for a minimal amount of usage -RRB- . If your son is a member of your household and is not of age to drive , your policy will cover him medically in the event of an accident . Everyone who is a household resident is covered under the auto insurance for medical bills.Every state has different rules when itcomes to medical bills , so it is always best to get the final answer from your local insurance specialist , or your current provider.Thanks for asking ! 