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Simple English definitions for legal terms
second-permittee doctrine
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A quick definition of second-permittee doctrine:
The second-permittee doctrine is a rule in insurance that says if someone is given permission to use a car by someone who was already given permission by the car owner, then the insurance policy will cover any accidents caused by the second person as long as they were using the car within the original scope of permission. In simpler terms, if someone is allowed to use a car by someone who was already allowed to use it, the insurance will still cover them if they get into an accident while using the car within the original permission given.
A more thorough explanation:
The second-permittee doctrine is a principle in insurance that applies when a third person is allowed to use an insured's car with permission granted by someone else to whom the insured gave permission to use the car. Under this doctrine, the third person's use of the car will be considered a permissive use under the insured's automobile-liability-insurance policy, as long as that use falls within the scope of the permission originally given by the insured.
For example, suppose John owns a car and gives permission to his friend, Tom, to use it. Tom then allows his friend, Mike, to use the car. If Mike gets into an accident while driving the car, the second-permittee doctrine would apply. As long as Mike's use of the car falls within the scope of the permission originally given by John to Tom, John's insurance policy would cover any damages resulting from the accident.
The second-permittee doctrine is important because it helps ensure that individuals who are allowed to use someone else's car with permission are covered by the owner's insurance policy. This can provide peace of mind for both the car owner and the individuals who are given permission to use the car.