What is a permissive driver? Someone who you give permission to borrow your vehicle, but they are not listed on your policy.
Do most auto policies cover permissive users? Most policies come with permissive use, but always check with your agent. It’s also recommended that the borrower of your vehicle carry their own insurance too.
How does it work? Permissive use coverage is designed for occasional, short-term borrowing. “Occasional borrowing” does not equal “regular use”, espciallly if the borrower does not live with you. However, if a driver uses your car on a “regular basis” it’s best to add them to your policy. An example would be, if your friend needs to borrow your pickup truck for a day or two to haul something, they would be considered a permissive driver and covered in case of an accident. On the other hand, if your friend moves in with you and drives your pickup often, they would need to be added to your policy.
For more information:
https://www.farmers.com/learn/insurance-questions/what-if-a-friend-crashes-my-car/
https://www.farmers.com/learn/insurance-questions/does-my-auto-insurance-cover-anyone/