Which of the following would not be considered an "insured" under a personal auto policy?

An individual who does not have permission to operate the vehicle is indeed not considered an "insured" under a personal auto policy. Personal auto policies are designed to provide coverage to specific individuals associated with the policyholder and defined circumstances under which coverage applies.

The policy typically extends coverage for the named insured (the policyholder) and their spouse, as well as any relatives living in the same household. Additionally, coverage is granted to individuals who are using the vehicle with the permission of the insured. However, if someone operates the vehicle without permission, they are not recognized as having an insurable interest under the policy terms, leading to a denial of coverage for any claims resulting from their actions. This policy definition ensures that only those who have a legitimate association with the vehicle and have received explicit or implicit permission from the owner are considered insured.

Thus, the distinction lies in the explicit permission granted to individuals operating the vehicle; permission is a key factor in determining whether someone qualifies as an insured under the personal auto policy.