Difficulty: Easy

Average Score: 100%

As defined under the liability coverage of the Personal Auto Policy, an insured could be any of the following EXCEPT

Rationale

An employee of a parking garage while parking an insured vehicle is not considered an insured under the Personal Auto Policy.

Under the liability coverage of a Personal Auto Policy, "insured" status is typically reserved for specific individuals related to the named insured, such as family members or authorized drivers, but does not extend to employees of commercial establishments like parking garages.

A (The named insured) YOUR ANSWER

The named insured is explicitly defined in the Personal Auto Policy and is the individual who holds the policy. This person is automatically considered an insured under the policy, covering them for liability arising from the use of covered vehicles.

C (Any individual using a covered auto with the insured's permission) YOUR ANSWER

This choice is correct as it reflects the policy's provisions. Individuals who are granted permission to use a vehicle covered by the Personal Auto Policy are considered insureds, thus including them in liability coverage while they operate the vehicle.

D (Any resident family member) YOUR ANSWER

Family members living in the same household as the named insured are included as insureds under the Personal Auto Policy. This provision ensures that family members are protected while operating the insured vehicle, reflecting the policy's intent to cover household members.

Conclusion

The definition of "insured" under the Personal Auto Policy encompasses the named insured, authorized users, and resident family members. However, it explicitly excludes employees of businesses like parking garages, which limits their liability coverage when operating an insured vehicle. Understanding these distinctions is crucial for policyholders to ensure adequate coverage and protection.

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