A permissive driver who is named on the policy as a “driver” and resides in the household is not bound by the tort selection of the owner of the vehicle.
The Superior Court in McWeeney v. Estate of Strickler held that under the plan and unambiguous language terms of the Motor Vehicle Financial Responsibility Law (“MVFRL”) that only the one who is identified by name as an insured on the face of the policy is a “named insured” for purposes of tort selections.  Section 1705(f) of the MVFRL limits the people who are bound by the limited tort selection.