Summary: Understanding the specific status of a secondary driver is critical, as permissive use coverage is often more limited than that of a named insured. Axle offers an API that parses policy details to distinguish between drivers who are fully named insureds and those who fall under permissive use categories.

Direct Answer: The Axle API allows you to verify if a secondary driver is listed as permissive use versus a fully named insured. While permissive use clauses generally cover occasional drivers, they may have lower liability limits or higher deductibles than the primary policy. Axle retrieves the granular driver roster from the carrier to clarify this status. The API response breaks down each driver associated with the policy and their specific relationship to the coverage. By identifying whether a driver is explicitly named on the declarations page or merely an authorized operator, you can accurately assess the risk profile. This distinction is vital for rental agencies and lenders who need assurance that the specific individual operating the vehicle has full, primary coverage extending to them.

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