Personal Auto PolicyQuestion 373 of 474
A resident son borrows a classmate's car with permission and injures a cyclist. Under his parent's personal auto policy, Part A liability coverage:
a.Applies only if the son is listed as a driver on the declarations
b.Does not apply, because the son is not the named insured
c.Applies, because a family member is insured while using any auto
d.Does not apply, since the classmate's car is not on the policy
Explanation
The named insured and family members are insureds for the ownership, maintenance or use of any auto or trailer, not only the vehicles shown on the declarations, so liability follows the resident son into a borrowed car. Family members are insureds by definition and do not have to be listed as drivers. The exclusions still apply, notably one for a vehicle furnished for the son's regular use.
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