We have a situation where a 16-year-old boy was driving his 16-year-old girlfriend's vehicle with her permission. They were at school and he asked to borrow it to run to the gas station to get a soda. She told him that as long as he put gasoline in it, he could. As he was leaving the gas station, he ran a red light and collided with our insured. He was deemed 100% at fault.

The boyfriend driver has driven that particular vehicle on a few occasions (approximately 4-5 times). When he was driving it one time, the girlfriend's mother saw him and told him he was not to be driving the vehicle. On another occasion, both the girlfriend's mother and father told both the kids that the boyfriend was not to be driving the vehicle. This vehicle is exclusively used by the girlfriend, but registered under the parent's name.

Again, on this particular day, the girlfriend gave the keys to her boyfriend and told him he could borrow her vehicle. The insurance carrier for the owner of the vehicle (girlfriend's parents) has denied the claim due to non-permissive user. The insurance carrier for the boyfriend (driver) has also denied the claim to the innocent third party insured citing the same exclusion.