Who, from among the following, would NOT be covered under the Third Liability coverage of an automobile insurance policy?

• A. Anyone who has the permission of the named insured to drive the automobile
• B. A passenger who operates a part of the automobile
• C. The named insured
• D. A neighbor's son who takes the automobile from the insured's driveway without consent

Answer: (D)

The main idea being tested is who is protected by Third Liability coverage when someone uses the insured vehicle. This coverage extends to the named insured and to other people who have the named insured’s permission to drive the car. If someone drives without permission, they are not covered under that liability protection.

So, someone who has the named insured’s permission to drive would be covered because they’re an authorized user. A passenger who operates the vehicle with permission is also covered as a permissive user. The named insured themselves are obviously covered. However, a neighbor’s son who takes the car from the insured’s driveway without consent does not have permission, so his use falls outside the scope of Third Liability coverage.