An insured runs an errand in her own covered auto for the charity she volunteers with and injures a pedestrian. The charity is sued as well. Under Part A the charity is:

Explanation

Part A treats as an insured any person or organization that is legally responsible for the acts of someone for whom coverage applies while a covered auto is used. The charity is being held vicariously liable for the volunteer's driving of her covered auto, so it picks up that protection. It does not have to be listed on the declarations to get it.