Generally, a permissive user would be defined in automobile insurance, as a person who is not listed on the policy who uses the vehicle with the permission of the owner. The permissive user may or may not be covered in the event of a loss depending on the term of the insurance contract and the state laws on permissive driver use.

The majority of insurance companies do require that all household members and regular operators of the vehicle be listed on the application to be covered. A permissive user is typically not a household member by definition of many insurance companies. Whether permissive use extends to others beside the individual who requested the permission is hard to say. It depends on whom the policy permits to grant permission and how that permission may be granted. Therefore, a permissive driver could possibly be covered with the same coverages as the insured because in many states the coverage follows the vehicle not the driver. However, if there is failure to comply with the policy terms, with state laws there may be a reduction in coverage provided or coverage may be denied. Since the owner of a vehicle can be vicariously liable for injury or damage that occurs with their property you may elect to review your policy Declarations page , as it should list who is to be covered in the event of a loss and how your policy provides these coverages. Your insurance agent, claims representative or insurance carrier would be able to provide you with the specific information regarding your policy.

The state laws regarding whom a permissive user may be defined as and how they may be extended, coverage varies by state. You can visit your State’s Regulatory Office to verify that information.