Which of the following would be considered "persons insured" under Uninsured Automobile Coverage?

Study for the RIBO Auto Equivalency Test. Learn with multiple choice questions and hints. Prepare effectively for your exam!

Uninsured Automobile Coverage is designed to protect individuals who are involved in accidents with uninsured drivers. The concept of "persons insured" under this coverage typically includes individuals who have a direct relation to the insured policyholder and who are at risk in the context of an automobile accident.

In this scenario, the spouse of the insured falls under the category of "persons insured." This is because many auto insurance policies extend coverage to family members residing in the same household as the insured. If the spouse is hit by an uninsured vehicle while walking the dog, they would be eligible for coverage under the insured's policy since they are connected to the insured individual.

Focusing on the other options, the owner of the uninsured automobile wouldn't typically be classified as a "person insured" under another vehicle's policy unless there is a specific arrangement for coverage. Similarly, while anyone who drives the vehicle can sometimes be considered covered under certain policies, this does not broadly apply to all scenarios, especially concerning uninsured vehicle incidents. Therefore, the correct choice emphasizes the close relationship to the insured, providing a clear understanding of who is considered a "person insured" under the Uninsured Automobile Coverage provisions.

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