Individuals typically covered under a PAP

Jan 5, 2005
Contributor: joel randon

Named insured: One section of the declarations page identifies you as the named insured, meaning you are the individual who is primarily insured under the policy. As the named insured, you and your vehicles receive the most extensive coverage under your policy.

Spouses: Your spouse is generally entitled to receive the same coverage as you (the named insured) under your policy if he or she lives with you, even if he or she is not identified as a named insured on the declarations page of your policy.

Family members: Family members (as defined in your policy) are insured by your PAP as long as they own, use, or maintain the vehicle covered by the policy. In fact, family members generally receive almost the same extensive coverage that you do.

Other people: If your covered auto is involved in an accident, other people are insured under certain sections of the policy if: 1) they were using the covered auto (liability coverage), 2) they were occupying the covered auto (uninsured motorists and medical payments coverages), 3) they are legally responsible for the actions of any other person insured under the policy (liability coverage), or 4) they are entitled to recover due to any bodily injury suffered by you, your resident spouse, family member, or anyone using the covered auto (uninsured motorists coverage).

If a vehicle other than a covered auto is involved, other people are insured under your policy as long as: 1) they are not the vehicle's owner and they are legally responsible for the actions of any other person insured under the policy (liability coverage), or 2) they are entitled to recover due to any bodily injury suffered by you, your resident spouse, or relative (uninsured motorists coverage).



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