Yes, it is your fault that it's not covered

Here we are, at the intersection of "Yes, it is your fault," and "No, it's not covered."

In California, you must list every person of driving age in your household on your auto policy. Each person must be rated to drive your vehicle(s) or excluded. 

Reasons for excluding people are many:  roommate situations, unlicensed drivers, bad drivers, etc. 

Excluding someone on your policy means that person cannot drive your cars. Excluded. Not included. And not charged premium. 

So when you exclude your 16 year old son from your policy because your premium will skyrocket if you add him, and you let him drive your car, thinking it's not big deal, and the only ones who get hurt are the fucking insurance companies that are just trying to make a buck off you (yeah, fuck those corporations for making a profit!), well, yes, it is your fault that no, it isn't covered when little Johnny drives your car, with six of his friends, into another vehicle, totaling both cars and injuring everyone. 

That's what it means to exclude a driver, dumbass. And guess what? The amount of money you are going to have to pay to an attorney to defend you and little Johnny, and hopefully save your house and any assets your might have? Yeah, that amount is a hell of a lot more than you would have paid in premium. 

If you don't want to pay the premium, don't let little Johnny (or Julie, or anyone else) drive until he (she, it) is old enough to pay for the insurance himself. 

Think of it as . . . . oh, yeah - insurance!