Is it true that a personal auto policy would cover bodily injury and property damage liability when the insured's 16-year-old son is driving the vehicle?

A personal auto policy typically provides coverage for bodily injury and property damage liability regardless of who is driving the insured vehicle, as long as the driver is using the vehicle with the insured’s permission. This means that if the insured's 16-year-old son is driving the vehicle, he would generally be covered under the policy, provided he has permission to use the car.

It's important to note that while state laws vary concerning the requirements for a driver’s age and licensing, personal auto policies generally extend liability coverage to permissive users. Therefore, unless there are specific exclusions in the policy regarding unlicensed drivers or specific age limitations, the coverage is in effect.

The other options reflect common misunderstandings regarding coverage stipulations. For example, coverage does not hinge solely on the driver's licensing status or whether the son is named on the policy, as long as the usage complies with the terms of the insuring agreement. In essence, the paramount factor here is that the son has permission to drive the vehicle, which tapers back to the fundamental principles of liability coverage under a personal auto policy.