Personal Auto PolicyQuestion 368 of 474
In the personal auto policy, the words "you" and "your" refer to:
a.The named insured and any passenger riding in the covered auto
b.Anyone who drives the covered auto with the owner's permission
c.The named insured shown in the declarations and a resident spouse
d.Every person related to the named insured by blood or marriage
Explanation
The policy defines "you" and "your" as the named insured shown on the declarations page and that person's spouse if the spouse is a resident of the same household. Relatives living in the household are also insureds, but the policy calls them family members rather than "you". A permissive driver of the covered auto is an insured for liability purposes without ever becoming the named insured.
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Related questions on this topic
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