What does bodily injury of an insured using a vehicle without permission imply?

When an insured uses a vehicle without permission, it generally leads to the conclusion that the individual is not authorized to operate that vehicle. In most insurance policies, particularly automobile liability coverage, any claims arising from such unauthorized use are typically excluded. This means that any bodily injury resulting from the operation of a vehicle under these circumstances does not qualify for coverage under the policy. Insurers often include these exclusions to protect against risks associated with unauthorized use, which they do not want to be liable for.

Moreover, options suggesting validity or coverage under the policy incorrectly imply that an unauthorized user may receive benefits that the insurance company intended to limit. Similarly, Uninsured/Underinsured Motorist coverage is designed to protect insured drivers in accidents where the other party is at fault and lacks adequate insurance. However, if the driver was not permitted to use the vehicle, this coverage would usually not apply either. Thus, the proper understanding of the issue reinforces the stance that no payment is typically available for claims arising from bodily injury when the vehicle was used without permission.