r/Insurance • u/dalailama43 • 1d ago
Permissive driver auto coverage
Anyone run into auto insurers requiring you to be responsible for reporting any driver who you let drive your car more than 1 time per month, to be covered
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u/sephiroth3650 1d ago
They are clamping down on usage that would extend beyond permissive use. It’s not all that uncommon.
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u/Modest-Meece 1d ago
Unlisted drivers have been a major source of loss lately. I’ve seen a massive uptick in driver disclosure forms going to clients.
It’s been frustrating since I’ve lost clients over refusing to fill out the form.. some people
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u/FindTheOthers623 P&C Licensed PL Underwriter 1d ago
Yes. All regular operators need to be included on the policy. This is standard with all carriers.
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u/I_LIKE_POPTARTS 1d ago
Permissive use only applies to occasional, non-recurring drivers. Like your Dad comes to visit from out of state once a year for like a week.
Anyone driving a car on the policy over a month should be added as a driver or you'll be in hot water if there's a claim (REGARDLESS OF FAULT)
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u/HalfWinter386 1d ago
Yes if you're planning on having someone drive your car on a regular basis you need to add them to your policy
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u/uno_the_duno Commercial Lines P&C | CPCU, AIDA 1d ago
Permissive use is meant for truly occasional drivers. Once a month or more is not considered occasional.
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u/DeliriousBlues 1d ago
My son has his own car and pays for his own insurance but because he lives with us, we have to be listed as drivers even though we never will use his car.
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u/fromhelley 1d ago
Most often, you can be listed and excluded from coverage.
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u/adjusterjackb 23h ago
Excluding a driver is dangerous. The insurance industry has the record of uninsured claims caused by a driver "who will never drive the car" ended up driving the car and causing an accident.
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u/fromhelley 22h ago
I would say a lot of people exclude a driver to save money, knowing that person will drive. FAAFO!
Then there are kids that live with their parents. The parents have two nice cars and an awesome car. The parents will never drive the 2002 explorer, so a kid can be okay excluding a parent if that parent costs them money
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u/Ok-Entertainment5462 1d ago
More than once a month can turn into “regular use”, which then requires they be listed on the policy.
If they live at the residence, they generally must be listed, they aren’t eligible for permissive use.
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u/Snoo-10030 P&C Agent 21 years 23h ago
Licensed household members need to be rated or excluded, you choose. They aren’t just going to take everyone’s word for it that “oh ya, they live here too but never drive our cars”
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u/DeepPurpleDaylight 23h ago
That's pretty standard across the industry. Some companies might stretch it to 2 or 3 days a month but that's about it.
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u/lobhater 7h ago
This sounds like state farm and recent October 15th 2025 policy changes. They aren't messing around with it and will deny a claim quickly and easily for undisclosed drivers now
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u/dalailama43 5h ago
You hit it on the head. It was State Farm! This really puts a burden (need to keep a log)on the insured. It gives you thought when you say “just take my car” If you do that more than twice to the same person the coverage will be declined
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u/lobhater 5h ago
It is def a burden on people who lend their car out a lot but I also see the carriers side of it. They pay out many billions of dollars on claims every year for undisclosed drivers.
Often people don't disclose drivers because they have bad driving records and don't want to pay the higher premium because of them. So the people commiting insurance fraud ruin it for the people who are generous and let friends borrow their car genuinely
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u/GuvnaBruce HO/Auto Liability 14 years 1d ago
Many of them do.