What does the term "named driver" signify in a Personal Auto Policy?

In the context of a Personal Auto Policy, the term "named driver" signifies an individual who is explicitly authorized to drive the vehicle covered by the policy. This designation is important because named drivers are explicitly listed in the policy documents, which means they are insured under the terms of the policy when driving the vehicle. Including named drivers ensures that the insurance coverage applies whenever these individuals operate the vehicle, which can be significant when it comes to claims and liability.

The other options present different aspects of drivers and the policy but do not encompass the essence of the term “named driver.” The primary policyholder is the individual who holds the insurance policy but may not necessarily be listed as a driver. A past claims history does not define a named driver, nor does having a specialty license; neither of these attributes guarantees that the driver is specifically covered under the policy terms. Therefore, recognizing a named driver is specifically about identifying those authorized individuals who are included in the insurance coverage for the vehicle.