Question 93

An employee using a personal car for the insured's business is not considered an insured under the Business Auto Coverage Form.

This statement highlights that employees using their personal vehicles for business purposes do not receive coverage under the Business Auto Coverage Form.

A) Any person named in the declarations of the policy

This option is correct because individuals listed in the declarations of the policy are explicitly covered as insureds under the Business Auto Coverage Form. Their inclusion ensures they receive protection while operating covered vehicles.

B) An employee of the insured using a covered auto for business

This option is also correct as employees using covered autos for business purposes are considered insureds. The coverage applies as long as the vehicle is designated as a covered auto in the policy.

C) Anyone using an insured auto with permission of the insured

This option is valid since anyone who has permission from the insured to use a covered auto is classified as an insured. This provision is meant to extend coverage to those who may not be named in the policy but are given authorization to use the vehicles.

D) An employee using a personal car for the insured's business

This option is the correct answer because employees using their personal vehicles for the business do not qualify for coverage under the Business Auto Coverage Form. The policy specifically covers only vehicles owned or leased by the business, excluding personal cars.

Conclusion

The distinction that employees using personal vehicles for business are not covered underlines the limitations of the Business Auto Coverage Form. Options A, B, and C correctly identify individuals who are insured, while option D is the only one that accurately represents a scenario that falls outside the policy's coverage. Thus, D is definitively the correct answer.