# What is insured?

> An insured is a person or organization that qualifies for protection under an insurance policy.

Glossary date: April 13, 2026.

## How it works

Who counts as an insured can change by coverage and situation. The term may include a named insured, resident family members, or permitted drivers under stated conditions.

## Example

A relative living in the household may qualify as an insured for one coverage but face different rules for another.

## Why it matters

Being allowed to drive a car does not automatically mean every policy benefit applies.

## What to check on your policy

Read the definition of insured in each coverage section and disclose household members and regular drivers accurately.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Named insured](https://locations.goautoinsurance.com/car-insurance-glossary/named-insured.md)
- [Additional driver](https://locations.goautoinsurance.com/car-insurance-glossary/additional-driver.md)
- [Permissive use](https://locations.goautoinsurance.com/car-insurance-glossary/permissive-use.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)