What does the term "Insured" describe in the ISO Personal Auto Policy?

The term "Insured" in the ISO Personal Auto Policy encompasses various parties to ensure broad coverage. This includes the policyholder, who is the individual that purchased the policy, as well as family members residing in the same household, which allows for greater protection since those individuals are likely to use the vehicle. Additionally, the definition also extends to any person who is driving the insured vehicle with the express or implied consent of the policyholder. This inclusive definition is designed to provide comprehensive coverage for various scenarios where individuals might operate the vehicle, thus enhancing the protection for all parties involved and mitigating potential liability issues.

By incorporating all these aspects, the policy effectively addresses the needs of the policyholder while ensuring that those who are permitted to use the vehicle are also covered in the event of an accident or similar incident. This creates a robust safety net for the insured and reflects the intent of the insurance to offer broad protection to many different users of the vehicle under the terms defined in the policy.