Who is considered an insured person under a typical automobile policy?

In a typical automobile insurance policy, an insured person includes any individual who is driving an insured vehicle with the permission of the policyholder. This is an important aspect of coverage because it extends protection beyond just the named insured, providing a layer of flexibility and security to cover others who may need to operate the vehicle occasionally.

When an individual has the consent of the named insured to drive the vehicle, they are granted the same liability coverage under the policy as the named insured, which protects them from any claims arising out of an accident that occurs while they are driving. This permission aspect is crucial; without it, the coverage would not apply.

The remaining choices do not encompass the comprehensive coverage provided under a typical automobile policy. While the named insured does have primary coverage, and resident relatives may also be included in certain policies, the driving permissions provide a broader protective scope that is essential for everyday practicalities of vehicle use. Additionally, having a valid driver's license does not automatically ensure coverage under a policy, as permission from the policyholder is a critical requirement. This makes the first choice the most accurate reflection of who qualifies as an insured person under a typical automobile policy.