There are typically exclusions on a vehicle owner’s personal auto policy that state if a listed car is regularly made available to any member of a household, the individual must be listed as a driver on the vehicle owner’s policy.
With the specially created Named Non-Owner Policy for Youth, youth have coverage for bodily injury and property damage if they are found liable when they have regular use of a care giver’s vehicle but are not listed as a driver on their care giver’s personal auto policy. In addition, if the youth leaves one household and goes to another, the named non-owner policy goes with him/her.
Coverage under this policy is not tied to a specific vehicle. Instead, it is tied to the individual named in the policy. Uninsured Motorist coverage is also provided for youth owning a named non-owner policy. In the event the youth is injured by an uninsured vehicle as a pedestrian or cyclist, coverage for bodily injury is available under the youth’s named non-owner policy.