Covered Drivers

The liability coverage on the personal auto policy covers insured drivers who are negligent for damage to others. Insured drivers under a personal auto policy include:

  • The named insured and his or her spouse
  • A relative of the named insured (a relative is a person living in the named insured’s household, related by blood, marriage or adoption)
  • Any person using an insured car of the insured with the permission of the insured
  • Any person using an insured car of the insured with implied permission (for example, a person using the car that didn’t ask for permission, but would have received permission from the insured if he or she had asked)