An insured can be named, an automatic insured, or an additional insured. If a party is not a named insured, an automatic insured, or an additional insured, that party is not covered under the insurance policy. A named insured is the party to whom the insurance policy is issued and is listed on the declarations page or in an endorsement modifying the definition of the named insured. An automatic insured is a party who qualifies under the definition of “insured” contained in the policy. Oftentimes, auto policies include that an insured is a driver, who is driving an insured vehicle, with permission from the named insured. On the other hand, some auto policies may include that only named insureds are insured. An additional insured is someone the named insured can add to the policy, by name, as an insured person for coverage, for an additional premium. So, who is insured depends on what the policy says. Read the policy carefully.
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