The “insured” is defined by the terms of the policy of insurance. The “declarations page” of an auto insurance policy typically lists the “named insured” and the “insured” vehicles of the policy. The auto insurance policyholder is generally the named insured, and their vehicle is normally the insured vehicle. The named insured may deal directly with the insurance company on behalf of others who may also be covered by the policy. Under certain circumstances, such as a motor vehicle accident, those vehicles and persons are generally covered by the auto insurance policy. Every situation is unique.
However, the “insured” vehicles listed on the declaration page are not the only vehicles that may be covered by the policy. To figure out what additional vehicles, if any, may be covered under an auto insurance policy, one must consider: (1) the unique circumstances surrounding the incident, and (2) the specific language of the auto insurance policy. The same principle applies to individuals who may qualify as an “insured.” That term is not generally restricted to the “named insured,” but also can extend to a limited class of other persons. The precise terms of the policy of insurance must be examined.
For instance, in certain circumstances, replacement vehicles and “temporary substitute” vehicles may potentially qualify as an insured vehicle although they may not be specifically listed within the policy. An experienced motor vehicle accident attorney can examine the unique circumstances and the insurance policy language to help determine what individuals or vehicles may potentially qualify as insureds or insured under a given policy.
If you’ve sustained a serious injury in a car accident, you may have questions about insurance coverage. An experienced accident attorney at William Mattar can review your unique situation and determine what insurance coverage may be available. Our attorneys have the knowledge and experience to ensure that you receive maximum compensation for past and future pain and suffering. Please do not hesitate to call us or visit our website today. Call (844) 444-4444.