Who is considered insured under Part A: Liability of a personal auto policy?

Part A: Liability of a personal auto policy covers more than just the owner of the vehicle. It encompasses several categories of insured individuals. Firstly, the owner of the vehicle is protected under this part, which is essential for ensuring liability coverage in case of an accident. Additionally, family members living with the vehicle owner are also included, offering them protection while driving the insured vehicle.

Moreover, anyone using the vehicle with the owner's permission is also considered insured. This means that as long as the driver has the vehicle owner's consent to operate the vehicle, they will be covered under the policy's liability provisions. This broad scope of coverage is designed to encourage responsible vehicle sharing while ensuring that liability claims can be effectively handled.

In summary, the correct answer encapsulates the fact that the policy extends liability coverage to the vehicle’s owner, family members, and authorized users, which reflects the policy's intent to widen protection and support responsible vehicle usage.