Permissive User Limit of Liability This coverage allows you to select full or limited liability coverage for permissive users of your insured car(s). Full Permissive User Coverage provides the liability limits you have selected for permissive users of your insured car(s). Limited Permissive User Coverage reduces vehicle liability limits to $15,000 bodily injury liability coverage per person, $30,000 bodily injury liability coverage per accident and $5,000 property damage coverage per accident for permissive users of your insured car(s). A permissive driver is someone who might operate your insured car on an incidental basis, who is not you, a family member or someone listed on your policy to operate your insured car.