Personal Auto PolicyQuestion 372 of 474
A friend borrows the insured's covered auto with permission and negligently causes $60,000 of bodily injury. Under Part A, the friend is:
a.An insured only if living in the insured's household
b.Covered after the friend's own policy is exhausted
c.An insured, so the policy pays the damages up to its limit
d.Not an insured, since only the named insured has protection
Explanation
Part A makes any person using the covered auto with permission an insured for that use, so the borrowing friend has the policy's liability protection behind him. Coverage on an owned auto responds for the driver; residency in the household is the test for a family member, not for a permissive user. The friend's own policy is not required to pay the $60,000 first.
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