Who is referred to as the "Insured" in an insurance policy?

In the context of an insurance policy, the "Insured" refers to the first named individual in the policy who owns it. This individual typically holds the primary responsibility for the policy and its terms, making them the key contact for the insurer. They are the main party responsible for making premium payments and have a central role in managing the policy, including filing claims and making changes. Understanding this definition is crucial because it establishes who the insurance company will communicate with regarding the policy, and who has authority over its provisions.

The other options do not accurately capture the definition of "Insured." The person who files a claim might not always be the primary or first named insured, as claims can be filed by additional parties or beneficiaries under the policy. Likewise, the insurer is the company providing the coverage and is not the insured party. Additionally, while there may be multiple individuals covered under the policy, only the first named insured typically holds the primary rights and responsibilities associated with that specific insurance agreement.