Which of the following is NOT considered an insured person under the PAP?

The correct choice identifies that a person using an auto not owned by the insured (INSD) is not considered an insured person under a Personal Auto Policy (PAP). The PAP typically provides coverage for specific individuals associated with the insured vehicle, primarily the named insured, their family members, and individuals using the insured auto with permission.

The concept of what constitutes an "insured person" is rooted in the relationship to the insured vehicle. The policy is designed to protect those who have a legitimate connection to the insured vehicle, as it reflects the intent to safeguard individuals who are at risk while operating that vehicle.

Any person using the insured auto is covered if they have the permission of the named insured. Family members are included because they are often considered part of the household and correlated with the insured vehicle's coverage. Organizations that the insured represents may also be covered when using the insured auto due to the nature of business and liability protections. However, a person operating a vehicle not owned by the insured falls outside the established coverage parameters, as the insurance is not intended to extend beyond the defined vehicle linked to the policyholder.

Therefore, recognizing the relationships outlined in the PAP is crucial for understanding who qualifies as an insured party under its provisions, solidifying that a