Do you need to be covered by your parent's car insurance to drive first day you get license?

What do you think will happen if you have an accident on the first day you have a license? Let's say you hurt someone with a medical cost of $100,000 and total their $45,000 car. Since it's your first day should you get a pass? Who will pay for their damages and medical costs? Of course you need to be covered by your parents auto insurance on the first day you get a license. If your old enough to get a license you need to think like an adult with responsibilities.