Permissive User

A permissive user is commonly used in auto insurance policies to define the coverage provided to individuals who are not the named insured but have been granted authorization to use the vehicle, including instances where they borrow your car for occasional driving.

When an insured vehicle owner gives consent to another person to use it, the protection typically extends to them. This means that if the permissive user gets into an accident while driving it, the owner’s may provide coverage for any resulting damages or liabilities.

Both vehicle owners and potential permissive users should review the insurance policy’s provisions regarding permissive use and confirm coverage with the vehicle owner before operating it. It’s also advisable to have their own auto insurance coverage, especially if they are not fully protected under the owner’s policy.