In criminal law, similar to the
probable cause standard in that it is a subjective standard used to validate a warrantless search and seizure or
arrest and that considers whether an officer acted on personal knowledge of facts and circumstances which are reasonably trustworthy, and that would justify a person of average caution to believe that a crime has been or is being committed; in insurance law, a subjective standard used to determine the extent to which an automobile insurance policy covers a driver, based on the reasonableness of the driver’s belief that owner’s permission had been granted to use the vehicle, whether or not such permission was directly granted.