Which entity would be considered a named insured under a Personal Auto Policy?

In a Personal Auto Policy, the term "named insured" refers to the individuals specifically listed on the policy who are granted certain rights and responsibilities associated with the insurance coverage. The correct answer highlights that a resident spouse is indeed considered a named insured because they are typically included in the policy alongside the primary insured.

A resident spouse shares the same household as the primary insured and is therefore covered under the same terms and conditions of the policy. This inclusion extends the protection of the policy to the spouse, ensuring they have coverage in the event of an accident or claim situation.

Other entities such as a resident relative or a person away at school might have certain coverage under the policy, but they are not typically classified as named insureds unless explicitly listed on the policy documentation. The definition of a named insured is very specific, focusing on individuals identified in the contract; hence, only those names mentioned directly are designated as named insureds. This distinction is important in understanding who has primary rights and obligations under the policy in making claims or securing benefits.