Who typically drives a vehicle covered under OAP 2?

The correct choice relates to the concept of coverage under Ontario's Standard Automobile Policy, specifically OAP 2. This policy provides coverage not only to the named insured but also extends to any authorized driver of the vehicle.

Authorized drivers are those who are permitted to operate the vehicle, which means that they are acknowledged by the insured individual to drive it. Therefore, a person driving a vehicle covered under OAP 2 must have the permission of the vehicle owner to be considered an authorized driver under the policy, ensuring that both the driver and the vehicle are covered for liability and any potential incidents that may arise.

The context emphasizes that those operating the vehicle should be authorized, reflecting Ontario's legal requirements around automobile insurance. Understanding who is authorized is crucial for individuals to ensure that they are operating within the legal framework and are protected with the necessary insurance coverage while driving.