Who is insured under Maurice's personal auto policy when the charity organization is involved in a lawsuit?

When it comes to personal auto policies, coverage typically extends beyond just the policyholder to include others in certain scenarios. In this case, Maurice’s personal auto policy would generally provide coverage for him and any family members listed on the policy as well as individuals who have permission to use the vehicle.

If Maurice is involved in a lawsuit where a charity organization is a party, the charity may also be insured if they are using Maurice's vehicle with his permission. In many auto insurance policies, coverage applies to any permissive user of the vehicle in addition to family members living with the policyholder. This would mean that not only is Maurice covered, but also anyone like Sondra, who may be a listed driver or a family member, and the charity organization, since they would be considered a permissive user in this context.

This broad coverage is designed to protect the policyholder and others from liabilities that could arise from using the vehicle, particularly in situations where multiple parties are involved in an incident. Thus, under Maurice's personal auto policy, all parties—Maurice, Sondra, and the charity organization—would be insured.