Which of the following is NOT considered an "insured" under a personal auto policy?

The reasoning behind selecting the driver/owner of a ride-share vehicle that transports the named insured as not being considered an "insured" under a personal auto policy lies in the specific coverage parameters established by such policies. Personal auto policies are designed primarily to cover personal vehicles and their usage.

When a vehicle is being used for ride-sharing purposes, it typically falls outside the scope of personal use thereby excluding it from coverage under a standard personal auto policy. This distinction emphasizes the difference between personal insurance and commercial coverage. Ride-share driving is considered a commercial activity, as it involves using a personal vehicle to transport paying passengers, which a personal auto insurance policy does not cover.

In contrast, the other options describe scenarios where individuals are covered because they relate to personal use of the auto and the insurance policy directly allows for such inclusivity, ensuring that family members, authorized individuals, and liable organizations are granted coverage under the policy's terms.