What are the three types of insureds afforded coverage in the auto form?

• A. You; Permissive Users of Covered Autos; Others Who Have Vicarious Liability
• B. You; Household Members; Employees
• C. You; Named Insured; Relatives
• D. You; Insurer's Agents; Brokers

Answer: (A)

In an auto policy, coverage applies to three broad groups of insureds. First, you—the named insured—are covered for the policy’s protections when you drive a covered auto. Second, anyone else who is using a covered auto with your permission is also treated as an insured for liability arising from that use; this is the permissive use protection that helps when friends or family borrow your car. Third, there are others who have vicarious liability for the insured’s acts—people or entities that may be legally responsible for what the insured does, such as a employer for an employee or someone who is legally liable for the acts of the driver. This trio—you, permissive users, and others with vicarious liability—matches how the auto form extends coverage beyond just the named driver.

The other options don’t capture this arrangement. They either focus only on certain individuals, like household members or employees, or include parties (agents, brokers) that aren’t insured under the policy’s auto coverage.