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Your car may be covered in the event your uninsured teen crashes it, but expect some ramifications. For starters, your rates could go up. An insurer may also decline to renew your coverage in the future if you hadn't originally reported your teenager as a driver.
But if your teen was specifically excluded from the policy, your insurer isn't obligated to pay anything -- meaning you could be financially responsible for fixing your damaged vehicle.
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No, if the owner of the car makes a claim against you, there’s no deductible. Liability insurance, which is for the damage you do to others, does not have a deductible...
If it were me, I probably would not file a small claim. You don’t say what your deductible is or your damage estimate, but if you’d net only a small amount after your deductible, it’s probably better to avoid another claim...