What does the term 'you' refer to in a personal auto policy?

• A. The named insured shown in the declarations, and the insured's spouse
• B. The insured's employer
• C. Any person operating the vehicle
• D. The policyholder's neighbor

Answer: (A)

In a personal auto policy, you is a defined term that identifies who the policy protects. It refers to the named insured shown in the declarations and the insured's spouse if they live in the same household. This means the coverage is attached to those two people, making them the ones who are insured under the policy for its mandatories like liability and medical payments. The employer or a neighbor isn’t automatically included by the definition of you, and while the policy may provide coverage for others who operate the vehicle with permission under permissive-use rules, that is separate from the basic definition of you. So, you specifically means the named insured and the insured's spouse.