is my child [licensed] covered under my uninsured driver ins. on my policy

Whether your child is covered under your uninsured driver insurance policy will depend on the specific terms and conditions of your policy. Generally, uninsured driver insurance coverage is designed to protect you, as the policyholder, and any family members who live with you and are listed on your policy. If your child is a licensed driver and lives with you, there is a good chance that they would be covered under your uninsured driver insurance policy if they are involved in an accident with an uninsured or underinsured driver. However, it's important to review your policy language and speak with your insurance company to confirm the details of your coverage. When reviewing your policy, look for language that specifically addresses uninsured driver coverage and any exclusions or limitations that may apply. Some policies may have specific requirements for listing family members on the policy, such as listing them as drivers or residents of the household. If your child is not listed on the policy and does not meet the requirements for coverage, they may not be covered under your uninsured driver insurance. In addition to uninsured driver coverage, you may also want to consider adding other types of coverage to your policy to protect your child and other drivers in the event of an accident. For example, collision coverage can help cover the cost of damages to your vehicle if you are involved in a collision, regardless of who is at fault. Overall, if you have uninsured driver insurance coverage on your policy and your child is a licensed driver and lives with you, there is a good chance that they would be covered in the event of an accident with an uninsured or underinsured driver. However, it's important to review your policy language and speak with your insurance company to confirm the details of your coverage and ensure that your child is fully protected.