What happens if a driver operates a vehicle without permission from the owner?

When a driver operates a vehicle without the owner's permission, it creates a situation in which the owner's insurance policy may not provide coverage for any damages incurred during the incident. In many insurance policies, there is a provision that denies coverage for unauthorized use of the vehicle. This means that if the driver does not have the owner's consent, the insurance company may refuse to pay for damages or liabilities resulting from an accident involving that unauthorized driver.

This can leave the owner of the vehicle exposed to potential financial responsibility if the driver's actions lead to damage or injury, as their insurer may interpret the lack of permission as a breach of contract. Ultimately, this reflects the principle that insurance is designed to protect against proper use of the insured vehicle, not misuse or unauthorized operation.