# What is permissive use?

> Permissive use refers to someone driving an insured vehicle with the owner's permission.

Glossary date: April 20, 2026.

## How it works

Some policies extend certain coverage to occasional permitted drivers, but restrictions, reduced limits, or exclusions may apply. Regular users often need to be listed.

## Example

You let a friend borrow your car for one errand. Whether the friend qualifies for coverage depends on the policy and the circumstances.

## Why it matters

Permission alone does not guarantee that every driver or use is covered.

## What to check on your policy

Ask how the policy treats occasional drivers, household members, excluded drivers, and business or delivery use.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Additional driver](https://locations.goautoinsurance.com/car-insurance-glossary/additional-driver.md)
- [Insured](https://locations.goautoinsurance.com/car-insurance-glossary/insured.md)
- [Policy exclusion](https://locations.goautoinsurance.com/car-insurance-glossary/policy-exclusion.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)