Is a sixteen year old covered on a policy if she is not listed?

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Depends, do they have a drivers permit, if so, why not call the agent and have them put on the policy. If no permit, the policy wording is important, read it and see uner "insured" what it says, it may say any one who is a resident of your household, also, permission from the named insured is a factor. Best to get the person added to your policy and you won't have to worry about about it, worry about paying the increase in the premiun.

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In New York do underage licensed drivers have to be listed seperatly on a policy to be covered?