In a personal auto policy, who does the term "you" refer to?

In a personal auto policy, the term "you" specifically refers to the named insured and the insured's spouse when they are living in the same household. This definition is important as it outlines who is covered under the policy for various types of coverage, including liability, collision, and comprehensive coverage.

By identifying "you" in this way, the policy ensures that both individuals are protected while operating a vehicle, which is particularly relevant if either the named insured or the spouse is driving. It promotes clarity regarding who can file claims and seek coverage under the policy's stipulations.

The other options do not correctly represent who "you" refers to in this context. The insurance company is the provider of the policy and not the insured. While the insured's children may also be covered under certain conditions, they are not specifically included in the basic definition of "you." Beneficiaries, on the other hand, are typically associated with life insurance policies and do not have a direct tie with the terminology used in a personal auto policy.