In California auto insurance, the terms “named insured” and “insured” refer to different individuals covered by a policy. The “named insured” is the person whose name appears on the policy and is the primary individual responsible for the terms and conditions of the insurance contract. This person is entitled to coverage for damages, injuries, and other claims that arise under the policy. They are also the person who will receive policy renewals, notices, and any communication from the insurance company. If there are additional vehicles or drivers listed on the policy, they are typically covered under the named insured’s terms.
The term “insured” encompasses a broader group of people who may be covered under the policy but are not necessarily the named insured. This can include family members living in the same household or other drivers who have permission to drive the vehicle. While these individuals are protected by the policy in the event of an accident, they do not have the same responsibilities as the named insured, such as managing policy changes or paying premiums. However, it’s important to note that certain exclusions may apply based on the type of coverage or the specific circumstances, so understanding the full terms of the policy is essential.