>
> Read your policy. Often related members of one's household are NOT
> covered if they aren't added to the policy.
>

Not only that, but ALL members of a household are NOT covered if even ONE of
them is not added to the policy. There is wording in your insurance policy
to the effect that the insurance company can deny payment of ANY claim on
your policy if you pay a lower premium than you should have for any reason.
In other words, if your 16-year-old is not on your policy, and your wife
wrecks your car, the Insurance company can deny the claim (related to your
wife wrecking your car) if it is discovered that your insurance premiums
should have been higher due to another household member who was not on the
policy, but should have been. -Dave