Our insureds' son, age sixteen, drives an auto owned by his parents and insured on their policy. Not long ago, he let a fourteen year-old girl drive. The driver (unlicensed) rolled the car, and injured our insureds' son.

Our question is whether the liability coverage under the friend's parents' personal auto policy comes in as excess over the medical payments coverage on our insureds' policy to cover the injuries to their son? Under these facts, does the fourteen year-old friend have a reasonable belief that she had permission to drive, thereby triggering coverage under her parents' policy? Their insurance company has stated that the friend could not reasonably expect to have permission because she knew she was not old enough to be licensed and therefore would know she could not get permission.

Ohio Subscriber