Auto InsuranceQuestion 23 of 215
Under Part A of the Personal Auto Policy, who qualifies as an 'insured' for liability purposes?
a.Only the named insured and the spouse
b.Only individuals whose names are listed on the declarations
c.Anyone driving any vehicle anywhere
d.The named insured, family members, and any person using a covered auto with permission
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.
Related questions on this topic
- An insured's covered auto is stolen. The Personal Auto Policy's transportation expenses (loss of use) provision typically:
- A California household has two private passenger autos insured on two separate policies, each with $100,000 UM limits. After an accident caused by an uninsured driver, can the injured insured combine ('stack') both UM limits to recover up to $200,000?
- California law requires drivers to carry which item in the vehicle as evidence of financial responsibility, ready to present on demand?
- Which of the following losses is specifically EXCLUDED under Part A Liability of the Personal Auto Policy?
- California Underinsured Motorist (UIM) coverage applies when:
- An insured drives her covered Honda to a dealer to test-drive a new SUV. While on the test drive she damages the SUV in a collision. Under the Personal Auto Policy, the SUV is best treated as:
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California Property & Casualty Insurance License Exam · How we review