Who is included in the 'You' category of insureds under the auto form?

Who is included in the 'You' category of insureds under the auto form?

• A. The named insured
• B. The insured's spouse
• C. The insurer
• D. The broker

Answer: (A)

The main concept here is how the auto policy defines who is covered under the term “You.” In the declarations, the named insured is the person the policy is written for, and the defined term “You” refers to that individual who holds the insured status for the covered autos. The insurer is the insurance company providing the coverage, not an insured person, and the broker is just an intermediary. The insured’s spouse may be covered in some situations, but the basic definition of “You” is the named insured shown in the declarations, making that person the correct answer.

The main concept here is how the auto policy defines who is covered under the term “You.” In the declarations, the named insured is the person the policy is written for, and the defined term “You” refers to that individual who holds the insured status for the covered autos. The insurer is the insurance company providing the coverage, not an insured person, and the broker is just an intermediary. The insured’s spouse may be covered in some situations, but the basic definition of “You” is the named insured shown in the declarations, making that person the correct answer.