We have an insured under a commercial auto policy. The driver of our insured's vehicle was not listed as a driver on the policy and he had no valid driver's license. I do not see an exclusion for "using a vehicle without a reasonable belief that that person is entitled to do so" in our policy like the one in the personal auto policy. The driver was not a restricted driver so the fact he was not a listed driver may just be something we need to tell underwriting.

From what I can see, we probably have to provide coverage. Our insured driver was at fault. There may be a collision, property damage and bodily injury claim. Am I missing anything?

Illinois Subscriber