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Permissive Use / Unlisted Driver Limited Coverage

From time to time, someone outside your household may need to drive your vehicle. Permissive Use coverage explains how liability protection applies when a person who is not you, a listed driver, or a family member of your residence uses your covered auto with your permission. While this feature helps keep premiums lower, it also limits how liability coverage applies depending on who is driving your vehicle.

 

Plan comparison

Availability, limits and deductibles may vary by state and policy.

Essential

Only provides liability coverage up to the state’s minimum limits that are required by law (e.g., Rhode Island’s minimum limits are $25,000 per person / $50,000 per accident for bodily injury to others, and $25,000 for property damage to others). 

Advantage

Provides liability coverage up to the limits specifically listed on the declarations page of the auto policy. 

Signature

Provides liability coverage up to the limits specifically listed on the declarations page of the auto policy.

How does this coverage work?

The Essential auto policy will restrict coverage for Permissive Use operators. Permissive Use allows our liability coverage to respond when someone is driving the listed vehicle with permission, including operators that are not directly listed on the declarations page of the auto policy. 

The Permissive Use / Unlisted Driver Limited Coverage endorsement modifies how liability coverage responds based on the operator at the time of the loss. The full liability coverage limit will only respond when the operator is a policyholder, a resident family member, or a listed driver on the policy.

Real-life scenarios

Child getting learner’s permit

Your child gets their learner’s permit and they’re involved in an accident while driving a covered vehicle on your Essential auto policy. As long as they live in your household, there is no liability reduction. That means one less thing to worry about as your family hits the road.

 

Nanny listed on auto policy

You hire a nanny and list them on your Essential auto policy and they’re involved in an accident while driving your vehicle. Because they’re listed on your policy, your full liability coverage applies without limitation. 

Loaning a friend your vehicle

If you lend your car to a friend or boyfriend who doesn’t live with you, coverage may be more limited on your Essential auto policy if an accident occurs. In these situations, liability coverage applies up to the state-required minimum coverage. It’s a helpful reminder that who is driving can make a difference in how your coverage applies.

Loaning a neighbor your vehicle with a Signature policy

If you lend your car to a neighbor and they’re involved in an accident and you carry a Signature auto policy, your liability coverage applies without being reduced. It’s one more way a Signature auto policy provides more comprehensive coverage.

Is this coverage right for you?

Permissive Use / Unlisted Driver Limited Coverage is best for those who do not let others outside your household drive your vehicle, and you want a lower-cost option that limits liability exposure for unlisted permissive drivers.

It may be a good fit if:

  • Your vehicle is typically driven only by you, household family members and any other listed drivers on your auto policy.
  • You understand that on an Essential policy, liability coverage for an unlisted permissive driver may be limited to your state’s minimum required limits.

Ready to decide?

Explore YourPlan auto coverage options, or speak with an Amica insurance representative to review your quotes and confirm availability in your state.

800-242-6422

FAQs about Permissive Use / Unlisted Driver Limited Coverage

Permissive use means you allow someone else to drive your covered auto. If that person is involved in an accident, your policy may provide liability coverage depending on who is driving and the tier of coverage you selected.

In general, an unlisted driver is someone using your covered auto with permission who is not a named insured, not a resident family member and not listed on your declarations page as a driver.

With the Permissive Use Drop-Down/Unlisted Driver Limited Coverage, liability coverage for an unlisted permissive driver is limited to the state minimum financial responsibility limits that apply in your state. These limits may be significantly lower than the liability limits shown on your declarations page.

No. Under Advantage and Signature auto policies, liability coverage applies up to the limits shown on your declarations page for permissive drivers, subject to policy terms.

No. This feature modifies how liability coverage applies for certain unlisted permissive drivers. It does not change any other coverages, which are subject to their own terms and conditions.

Minimum liability limits vary by state. If you have an Essential policy, those minimum limits are the maximum that may apply for an unlisted permissive driver under this feature. An Amica representative can confirm the applicable minimum limits for your policy’s state.

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