Who is considered insured under Part A Liability of a Personal Auto Policy?

• A. The vehicle owner or his/her family member, or any person using the covered auto with permission
• B. The policyholder's employer
• C. Any person driving any vehicle
• D. The insurer

Answer: (A)

Part A Liability covers the insured’s legal responsibility to others for bodily injury or property damage caused by the use or ownership of the covered auto. The insured under this part includes the named insured (the policyholder) and family members while using a covered auto, and also any person using the covered auto with the policyholder’s permission. This is why the best answer includes both the vehicle owner or a family member and any person using the covered auto with permission. The employer isn’t automatically covered under this personal auto policy, and coverage isn’t extended to every driver of any vehicle or to the insurer itself.