Which statement best describes Permissive Users of Covered Autos?

• A. Only the named insured may drive covered autos
• B. People with permission to use covered autos may be covered
• C. Only employees may drive
• D. Permissive Users are not insured

Answer: (B)

Permissive use means drivers who have the insured’s permission to operate a covered auto are covered by the policy. In most auto policies, liability protection extends to people other than the named insured who are allowed to use the vehicle, such as a friend or relative, as long as their use falls within the policy’s terms. This is why the description that people with permission to use covered autos may be covered is the best fit: it aligns with how permissive use broadens coverage beyond just the named insured. The other ideas are too restrictive or incorrect—coverage isn’t limited to the named insured, isn’t restricted to employees only, and permissive users can be insured under the policy.