Question

The definition of an insured includes all of the following except:

Select the single best answer:
A. Person(s) listed on the Declaration Page
B. Spouse, if a resident of the household
C. Relatives, if residents of the household
D. Any person under the age of 21 in the care of the named insured, resident spouse, or a resident relative
E. Spouse

Answer 1

The correct answer to which group is not automatically included in the definition of an insured is E. Spouse, since it does not specify residency, and non-resident spouses are typically not covered unless specified.

Step-by-step explanation:

In the context of insurance policies, the definition of an insured typically includes various categories of individuals who are covered under the policy's protection.

These often encompass:

• Person(s) listed on the Declaration Page
• Spouse, if a resident of the household
• Relatives, if residents of the household
• Any person under the age of 21 in the care of the named insured, resident spouse, or a resident relative

The category that generally is not included by default is a non-resident spouse. The correct answer to the question is 'E. Spouse' because the term 'spouse' alone is ambiguous and does not specify whether the spouse is a resident of the insured's household, which is usually a requirement for automatic coverage.