Personal Auto PolicyQuestion 13 of 474
Who is automatically included as a named insured on a Personal Auto Policy by definition, even if not separately listed on the declarations page?
a.The named insured's spouse who resides in the same household
b.Any adult child of the named insured, regardless of residence
c.Any business partner of the named insured
d.The named insured's parents if they share auto repair expenses
Explanation
The ISO PAP definitions extend named insured status automatically to the spouse of the named insured who resides in the same household. Resident family members and permissive users are covered, but they are not 'named insureds' — they are insureds under the policy. Non-resident family members and business partners are not automatically covered.
Law Reference: ISO PAP definitionsThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
- Which statement about the California Low Cost Automobile Insurance Program (CLCA) is TRUE?
- An insured carrying $100,000/$300,000 UIM limits is injured by an at-fault driver carrying only $30,000/$60,000 in liability. The insured's own medical and wage loss exceeds $80,000. Under California UIM, what must occur before the insured can collect from her own UIM?
- Which coverage in the Personal Auto Policy is a first-party, no-fault coverage that pays reasonable medical expenses for the insured and occupants regardless of who caused the accident?
- An insured's parked vehicle is broken into overnight; a window is smashed and a laptop is stolen from the back seat. Under the Personal Auto Policy, the broken glass is paid under which coverage?
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