What does "permissive use" mean in a Personal Auto Insurance Policy?

Permissive use in a Personal Auto Insurance Policy refers to the concept where the named insured allows individuals who are not specifically listed on the policy to use their vehicle. This means that if the vehicle owner provides permission for a friend, family member, or another individual to drive their car, that driver is considered a permissive user. As long as the use is within the scope of what is considered "permissive," the driver will typically be covered under the owner's auto insurance policy in the event of an accident. This provision is important because it extends coverage beyond just the named insured, providing a level of protection and reassurance that others can drive the vehicle without creating significant liability issues for the vehicle owner. In this context, it establishes that the insurance company will generally cover claims arising from the actions of those drivers, as long as they had the owner's consent to use the vehicle.