Who is considered insured under the Personal Auto Part A?

In the context of an auto insurance policy, especially under Personal Auto Part A, coverage is designed to extend beyond just the named insured. The correct choice reflects the understanding that the policy typically covers both the named insured and their household family members. This inclusivity is essential because it ensures that individuals who reside with the named insured and drive the vehicle are protected under the same policy.

Generally, the Personal Auto Part A section provides liability coverage, meaning it protects against claims for bodily injury or property damage that the insured or family members may cause while using the insured vehicle. By including household family members, the policy ensures that those living together and sharing in the use of the vehicle are adequately covered, which is crucial for financial protection against unforeseen incidents.

This broader coverage encourages appropriate use of the vehicle among family members without the fear of lacking insurance protection, fostering responsible vehicle usage among those closely associated with the named insured.