Are 'permissive users' covered under a Personal Auto Policy when they drive the insured's vehicle?

The standard PAP defines 'insured' to include the named insured, family members, and 'any person using your covered auto' (with permission). So a friend who borrows the insured's car with permission and causes an accident is covered under the insured's liability coverage. Common restrictions: not covered while using the vehicle for business (delivery driving, ride-share — though personal auto coverage during ride-share periods is now offered in many states by endorsement); not covered while racing; not covered if the driver is excluded by name on the policy. Permissive use coverage operates differently in some states (which apply 'omnibus' statutes). Drivers using vehicles without permission are not covered. This default 'permissive user' coverage is why auto insurance follows the car rather than the driver in most situations.