In a previous blog we discussed California law regarding permissive users. As already explained, a permissive user is someone not listed on an insurance policy but is a person that we gave permission to use our vehicle. This is a person who does not live with us and does not use the vehicle frequently. Additionally, for permissive drivers to be covered, the insurance policy must not contain an exclusion prohibiting all ‘permissive users.’ Consumers should clearly understand not only who is considered a permissive user but who is NOT considered a permissive user so that they do not have problems with their insurance carrier.
It is also important to remember that insurance follows the owner of the car and not the driver of the car in California so good judgement needs to be used when loaning out your car.