If you are under 18 and wreck a rental car is it covered by insurance?

If you are under 18 and wreck a rental car is it covered by insurance?

I need a rental car and my mom will rent it but they said an under 18 year old can't drive it by yourself. If I drive it with some friends and get it in a wreck will it be covered by insurance (rental, our insurance does not cover rental cars). Also if I get pulled over by a police officer is it legal for me to drive? Thanks.

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