In personal auto policies, the term “you” refers to
the named insured
In personal auto policies, the term “you” typically refers to the named insured, the policyholder who is listed on the insurance policy and who has legal ownership and control of the insured vehicle. The term “you” may also refer to other individuals who are specifically named on the policy as additional insureds, such as a spouse or other family member. Generally, anyone who is not named on the policy as either the primary or additional insured would not be referred to as “you” in the context of personal auto policies. It is important to understand these definitions and terms when purchasing or reviewing a personal auto policy, as they can have significant implications for coverage and claims.
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