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Permissive Use

What is Permissive Use of an Automobile and How Does it Affect Insurance Coverage?

auto home car rv renters motorcycle Literally, permissive use occurs when one person allows another person to use something they legally possess.  In the case of a personal automobile this means that a vehicle owner permits (allows) another person to drive their vehicle.  However, from an insurance perspective, the fact that a driver has the permission of the owner to drive a vehicle does not necessarily mean that the permissive user or vehicle will have the same coverage, if any, as the named insured.  If I allow my son to drive my vehicle is he a permissive user?