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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:
a.Covered under Part B instead of the liability part
b.Covered only if it is named on the declarations
c.Outside the policy, since only people are insureds
d.An insured for its liability for her driving
Giải thích
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.
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