Which statement best describes a permissive driver under vicarious liability?

• A. A person who operates a covered auto with permission of the named insured
• B. A person who owns the auto
• C. A person who borrows a vehicle without permission
• D. A person who is a company employee only

Answer: (A)

In vicarious liability, a permissive driver is someone who operates a covered auto with the permission of the named insured. This permission makes the insurer extend liability coverage to that driver for the use of the insured vehicle, as long as the use fits the policy terms. The option describing this correctly notes that the driver had authorization to use the vehicle, which is the key element of permissive use. By contrast, simply owning the auto isn’t about permissive use, borrowing without permission isn’t permissive, and being a company employee alone doesn’t define permissive use unless there’s authorized permission to operate the specific vehicle.