insured

insured, n. A person who is covered or protected by an insurance policy.

— Also termed assured. [Cases: Insurance 2100. C.J.S. Insurance § 389.]

additional insured. A person who is covered by an insurance policy but who is not the primary insured. • An additional insured may, or may not, be specifically named in the policy. If the person is named, then the term is sometimes named additional insured.

— Also termed secondary insured. [Cases: Insurance 2100. C.J.S. Insurance § 389.]

class-one insured. In a motor-vehicle policy, the named insured and any relative residing with the named insured. [Cases: Insurance 2660–2661. C.J.S. Insurance §§ 928, 1044–1047, 1054, 1596, 1599, 1672–1673.]

class-two insured. In a motor-vehicle policy, a person lawfully occupying a vehicle at the time of an accident. [Cases: Insurance 2660. C.J.S. Insurance §§ 928, 1044–1045, 1047, 1054, 1596, 1599, 1672.]

first-named insured. See primary insured.

named insured. A person designated in an insurance policy as the one covered by the policy. [Cases: Insurance 2100. C.J.S. Insurance § 389.]

primary insured. The individual or entity whose name appears first in the declarations of an insurance policy.

— Also termed first-named insured.


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