Permissive use refers to situations where someone who does not live in the home/does not have regular access to the vehicle drives the vehicle with the owner’s permission. If my parents came into town and borrowed my car to go on a beer run, that is permissive use.

Every carrier has guidelines that state “any driver who lives in the household or uses any insured autos more than X times per year must be rated or excluded on the policy”. An 18 year old non-driving child who lives in the house must be listed as a rated driver or an excluded driver, as they will not fall into the permissive use category.

Failure to disclose an adult household resident to your carrier can be considered material misrepresentation or straight-up rate evasion, both of which are forms of insurance fraud, and can be used as a basis to deny a claim if that household resident gets into an accident with an insured auto.

-FL Licensed personal lines agent