What is the difference between a named driver and permissive use policy?
A named driver policy is an auto insurance policy that covers the named driver only, for this reason a named driver policy is going to be cheaper.
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A typical auto policy is permissive use and requires all drivers in the household to be added, excluded or provide proof the have other coverage.
On a permissive use policy, drivers outside the household who have permission to use the vehicle and only drive the vehicle occasionally would be covered under a the auto policy in event of a claim.
If the company offers safety responsibility filings they will file on both types of auto policies.