The PAP affords liability coverage ONLY to those that have the ____________ of an insured.

The correct answer is that the Personal Auto Policy (PAP) affords liability coverage only to those that have the status of an insured. In the context of the PAP, the term "status" refers to the legally recognized relationship of individuals to the policy. This encompasses the named insured, any family members living in the household, and any other individuals driving the vehicle with permission of the insured.

Liability coverage is designed to protect those who have a recognized status under the policy, which means they are afforded coverage in the event they are involved in an accident that results in bodily injury or property damage to others. The status of an insured is crucial because it delineates who is covered under the policy and provides clarity in situations where multiple drivers may operate the vehicle.

The other terms do not align as accurately with the concept of liability coverage in the PAP. "Approval," for instance, pertains more to permissions granted by the named insured but does not inherently relate to the coverage status. "Ownership" suggests legal possession of the vehicle rather than the relationship to the policy itself. "Consent," while important in terms of who can drive the vehicle, is not as definitive as "status" regarding establishing the coverage net provided by the policy. Thus, "status"