Which term describes the main coverage provided for occupying an owned automobile?

The term that describes the main coverage provided for occupying an owned automobile is "Primary." In the context of auto insurance, primary coverage refers to the fundamental insurance protection that applies when you are driving your own vehicle. This coverage typically includes liability insurance, which is vital for protecting the insured against claims from others for bodily injury or property damage resulting from an accident.

Understanding that primary coverage is designated for owned vehicles helps distinguish it from other types of coverage, such as comprehensive or supplemental. Comprehensive coverage, for example, protects against risks not arising from collisions, like theft or natural disasters, while supplemental coverage may refer to additional policies or riders that add to the primary policy's existing framework. Therefore, the focus on "Primary" underlines its critical role in providing essential automobile liability coverage when you are operating your own car.