Permissive Use
Insurance Glossary
The principle that auto coverage generally follows the car, so a licensed driver who borrows it with the owner's permission is usually covered. The owner's policy responds first, and a claim is charged against that policy rather than the borrower's. Drivers who live in the household, who are excluded by name, or who use the car for delivery or ride-hailing are treated differently, and the rules vary by policy and by state.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.