Auto No.	Vehicle Info
1	Dodge Ram
2	GMC Tundra

Driver No.	Driver Name	Assignment Auto No.
		Primary	Secondary	Occassional
1	Jack	1
2	Jill	2

Notice that Jack (Drive No. 1) is primary on the "Dodge Ram" (Auto No. 1), while Jill (Driver No. 2) is the primary on the "GMC Tundra" (Auto No. 2).

Question:

1. Is Jack insured to use the GMC Tundra without asking for permission from Jill, who is the "Primary" for that vehicle, despite the fact that he is not recorded as a "Secondary" or an "Occasional" driver for that vehicle?

2. For every driver mentioned in this policy (in this case, Jack and Jill) does that mean that s/he is immediately insured for EVERY vehicle mentioned therein, regardless of driver assignments, or lack thereof?

3. There will be a set premium to cover both vehicles in what is specifically listed in the tables above, BUT will the premium charge go UP in price if say Jack adds his name as "Secondary" to the "GMC Tundra" (as you can see above, Jill is the primary on that vehicle only)?