What is the term for the individual named in the policy covered under a Personal Auto Insurance Policy?

The correct term for the individual named in the policy who is covered under a Personal Auto Insurance Policy is "named insured." This designation indicates that the individual has specific rights and responsibilities under the insurance contract. The named insured is typically the primary person who has purchased the policy and is recognized by the insurer as having coverage for their liability, physical damage, and any applicable endorsements.

This terminology is important because it establishes who is directly covered and can make claims under the policy. The named insured has the authority to make changes to the policy, such as adjusting coverage levels or adding vehicles. Understanding this term helps clarify the relationship between the insurer and the person covered by the policy.

The other terms listed refer to different roles related to auto insurance but do not carry the same significance as the named insured. The policyholder refers more broadly to the individual or entity that owns the policy, which may not always be the same person as the named insured. A secondary driver usually refers to someone who is permitted to drive the insured vehicle but is not the primary insured individual. An authorized user might refer to someone allowed to use the vehicle but does not have the same comprehensive coverage rights as the named insured.