Rental Car Liability Coverage

Q

Our insured rented a car at an airport recently and indicated on the rental form that he would be the only driver. However, he allowed a family member to drive the rented car and, though no accident occurred, we were concerned about whether the personal auto policy would provide liability coverage for the family member if an accident did happen. Our main concern is the exclusion about using a vehicle without a reasonable belief that the insured is entitled to do so. Would the family member be covered for an accident even though the named insured indicated that no one but he would drive the rental car?

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