In personal auto policies, who does the term "you" refer to?

In personal auto policies, the term "you" specifically refers to the named insured. This designation typically includes the individual or entities listed on the policy as the primary insured parties. The policy is written with the understanding that "you" directly denotes those responsible for maintaining the insurance and who have specifically agreed to the terms of the policy.

While other individuals such as family members or spouses may have coverage under the policy under certain conditions, they are not the primary focus when discussing the definition of "you." The named insured holds the legal title and responsibility, making it clear who is held accountable in case of claims or policy obligations. This specification is essential for clarity in coverage and liability issues that may arise.