Question 34

An insured could be any of the following EXCEPT an employee of a parking garage while parking an insured vehicle.

Under the liability coverage of the Personal Auto Policy, an insured includes the named insured, any resident family members, and individuals using a covered auto with permission. However, an employee of a parking garage is not considered an insured under this policy when parking an insured vehicle.

A) The named insured

The named insured is explicitly identified in the Personal Auto Policy and is always covered under the liability provisions. This option is correct as the named insured clearly qualifies as an insured party.

B) An employee of a parking garage while parking an insured vehicle

This option is incorrect because employees of parking garages are not deemed insured under the Personal Auto Policy. They do not fall under the definitions provided for insured parties, as their role does not involve the ownership or permission typically required to be covered.

C) Any individual using a covered auto with the insured's permission

Individuals who use a covered auto with the insured's permission are included as insureds under the policy. This provision is designed to extend coverage to those who operate the vehicle legally and with consent, making this option correct.

D) Any resident family member

Resident family members are also classified as insureds under the Personal Auto Policy, as the policy is intended to provide coverage for those living in the same household as the named insured. Thus, this option is correct.

Conclusion

The correct answer is B, as it identifies a category that is not recognized as an insured under the Personal Auto Policy. The other options—namely the named insured, individuals using the vehicle with permission, and resident family members—are all explicitly covered by the policy, highlighting the specific exclusions pertinent to parking garage employees.