Which statement best defines a permissive user?

Which statement best defines a permissive user?

• A. An individual who owns a covered auto
• B. An individual who is using a covered auto with the named insured's permission
• C. A person who rents a vehicle from a dealership
• D. A person who has a Personal Auto Policy

Answer: (B)

Permissive use means someone other than the named insured is allowed to drive a covered auto with the owner's permission. The key idea is that the driver isn’t the policyholder or vehicle owner, but they have the owner's consent to use the vehicle. That consent ties the driver to the policy's liability protection while they’re operating the car. This is why describing a person who is using a covered auto with the named insured's permission best defines a permissive user.

Permissive use means someone other than the named insured is allowed to drive a covered auto with the owner's permission. The key idea is that the driver isn’t the policyholder or vehicle owner, but they have the owner's consent to use the vehicle. That consent ties the driver to the policy's liability protection while they’re operating the car. This is why describing a person who is using a covered auto with the named insured's permission best defines a permissive user.