What is the age of eligibility for insurance coverage?

Question Details: I am an 18 year old EMT and I live in CA. By law, I am legally allowed to drive an ambulance, however recently I dented the rear-end of the ambulance backing up. I did not have a backer. I was told by my company, that the insurance does not cover me due to my age and lack of cumulative driving experience and a hefty bill is on my plate.

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