In a personal auto policy, which person is specifically insured when using the covered auto with permission?

• A. A person using the covered auto with permission
• B. The vehicle owner's landlord
• C. A person using the covered auto without permission
• D. The insurer

Answer: (A)

Permissive use is the idea that a Personal Auto Policy can extend liability protection to others who drive the covered vehicle with the owner's permission. Because the driver has permission to use the car, the policy treats that person as an insured for liability purposes, meaning the insurer will defend and pay up to the policy limits for claims arising from that use. This protection doesn’t extend to someone who drives without permission, and it doesn’t make the landlord or the insurer the insured in this scenario—the insured, in this context, is the person using the car with permission.