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I have a question on coverage under the personal auto policy, PP 00 01.

Our insured rented a vehicle and listed her daughter as a driver. The insured's daughter is not listed on the insured's policy but was a permissive user of the vehicle. For liability coverage under the PAP, an insured is any person using "your covered auto" (in this case, the substitute vehicle). The carrier for the insured's daughter will not assume any responsibility because the rental is in our insured's name, even though the rental contract lists the insured and her daughter. I am wondering if the policies should be pro rata.

New York Subscriber

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