Articles Tagged with permissive user

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 car accidentpermission 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.

car accidentIt is understandable that after a car accident, we want the responsible insurance company to fix our car immediately so we can get back to our regular routine.  But from time to time it happens.  The responsible insurance company seems to be doing nothing. When we call them and ask what is going on, they state they are dealing with ‘coverage issues.’  It can be frustrating. What does that even mean? Coverage issues?

We have found that in many of these circumstances, the issue involved is, was the person who drove the car a permissive user or not?  The insurance company is saying to us in so many words, ‘the person who hit you was not listed on the insurance policy maintained on the car.’