What defines an "insured" under a Personal Auto Policy (PAP)?

In a Personal Auto Policy (PAP), the term "insured" encompasses a broader definition than just the named insured. It includes not only the named insured but also any family members or relatives living in the same household. This ensures that coverage extends to individuals who might not be listed on the policy but reside with the named insured.

Additionally, the policy also covers individuals who have permission to use the insured vehicle. This means that if a friend borrows the car with the named insured's consent, they are considered an insured under the policy as well. This feature is particularly important because it provides a safety net for those who may drive the vehicle without being explicitly named in the insurance contract.

Therefore, when assessing the definition of an "insured," it is accurate to state that it includes both blood relatives living in the household and individuals using the insured vehicle with permission. This comprehensive approach ensures adequate protection for various scenarios that could arise, ultimately reinforcing the policyholder's peace of mind in their coverage.