If you have guests or kids in town for spring break, you may want to verify that they are covered for permissive driving use. When you lend someone your car, keep in mind that you’re lending your car insurance as well. Permissive use indicates that you have allowed another person who is not specifically covered by name or as a household member to operate your car. That means that due to the omnibus clause, your insurance will cover any driver, family member who lives with you. It is important to have a qualified agent look at your policy provisions to make sure you are covered for permissive use situations. A permissive driver would normally be covered under the same coverages as the named insured because typically the coverage follows the car not the driver.
One of our agents would be happy to review your auto policy and make sure you have proper coverage for permissive use. Call us today!