by 
Anonymous
ANSWERS: 2
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Having never run up against that specific Q before, I don't have an certain answer, but I wouldn't think so. However, on any insurance policy that I've ever had before (including rentals) you need to list the licensed drivers who you intend to allow access to the vehicle. The insurance company may decline coverage on drivers that it considers too risky.
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No, it's the automobile which carries the insurance policy, not the driver. However, the insurance company will want to know the names of the most likely drivers, and they will be disappointed if you don't have a license. Disappointed enough to include an *exclusion* which prevents you from driving the car. Your mom can drive it, though.
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