What is an "additional insured" in the context of a Personal Auto Policy?

In the context of a Personal Auto Policy, an "additional insured" refers to a person or entity that is covered under the terms of the insurance policy but is not the primary named insured. This status typically allows the additional insured to benefit from the insurance coverage in specific circumstances.

For instance, an additional insured could be someone who is driving the insured vehicle with permission, or someone who is liable for an accident involving the insured vehicle. This coverage usually extends to protect these additional insured individuals for specific situations outlined in the policy, such as liability for injuries or damages caused by the vehicle.

The other options indicate incorrect interpretations of who qualifies as an additional insured. An individual with no association to the policy cannot be covered, while a named insured is the primary party responsible for the policy, and the drivers of vehicles not owned by the insured don’t automatically qualify as additional insureds unless specified conditions are met. Thus, the accurate understanding of an additional insured encapsulates the specific and conditional coverage that is provided beyond the main policyholder.