In an auto insurance policy, who is considered a "named insured"?

A "named insured" in an auto insurance policy refers specifically to individuals who are explicitly listed in the policy documents. This designation is crucial as it establishes who is covered under the terms of the insurance and clarifies their rights and responsibilities. The named insured typically enjoys benefits such as coverage for liability, physical damage, and other specified protections under the policy, and their status can influence claims and coverage limits.

Other individuals, such as family members, may still be covered under the policy, but they are not considered named insureds unless they are specifically listed. Similarly, while anyone driving the vehicle or someone with permission to use it might have some level of coverage, that coverage is generally under different terms and conditions, and these individuals do not have the same rights or status as the named insured.