True. While there are cases where this can be false, typically, the whole team is affected when one member of the team is being a problem.
False.Teen pregnancy can be dangerous to ones physical well being.
Such as if the teen has a fallopian pregnancy where the baby is developed in the fallopian tubes. This requires the baby to be removed by C-section and causes damage to the fallopian tubes.
You would want to contact a lawyer who specializes in insurance cases.