Why are automobile consent statutes no longer as useful today as they once were?

Question

What will be an ideal response?

Answer 1

The omnibus clause in most automobile liability insurance policies has substantially reduced the need for automobile-consent statutes. Such clauses extend insurance coverage to members of the insured's household and to any person using the automobile with the insured's permission as long as the use falls within the scope of the permission given. Consequently, plaintiffs have no incentive to find liability on the part of the owner, at least up to the policy limits.