Auto InsuranceQuestion 23 of 215
Under Part A of the Personal Auto Policy, who qualifies as an 'insured' for liability purposes?
a.The named insured, family members, and any person using a covered auto with permission
b.Only the named insured and the spouse
c.Only individuals whose names are listed on the declarations
d.Anyone driving any vehicle anywhere
Explanation
Part A defines 'insured' broadly to include (1) the named insured and any 'family member' for the ownership, maintenance, or use of any auto, (2) any person using 'your covered auto' with permission, and (3) any person or organization legally responsible for the acts of an insured. This is why permissive users (lending the car to a friend) are protected; permission is the trigger.
Law Reference: ISO PAP, Definition of 'Insured' under Part APractice all 215 questions free — no signup required.
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