Who is considered an "insured" under a Personal Auto Policy?

Under a Personal Auto Policy (PAP), the term "insured" encompasses a broader group than just the named insured. This definition is crucial for ensuring that not only the individual who holds the policy is protected, but also those closely associated with them.

The named insured includes the person(s) explicitly listed on the policy. In addition to the named insured, the policy typically extends coverage to family members who reside in the same household. This ensures that spouses, children, and anyone else closely related to the named insured is covered while operating the vehicle.

Furthermore, any authorized users of the vehicle can also be considered insured under the policy. This means that if someone has permission to use the vehicle—whether it's a friend or a neighbor—that person is also considered an insured individual when using the car within the terms specified by the policy.

This inclusivity is designed to provide comprehensive liability coverage and protection against losses, emphasizing the importance of ensuring that anyone who may drive the vehicle is appropriately covered. Thus, the answer that encompasses both family members and other authorized users accurately reflects the provisions of the Personal Auto Policy.