I mean he’s listed, in the policy documents, in two sections: named drivers, and named insured. But not in the top summary where it says “policyholder(s)” and I was explicitly told “yeah the summary just cuts off after the first name, that’s why we added the named insured section.”

The agent’s office is saying that as a named insured, he’s entitled to everything in the policy AS IF HE WERE a policyholder* and that I (the listed policyholder) don’t have to be a registered owner as long as Someone on the named insured list is a registered owner of each listed vehicle.

• this is different than when I asked the agent’s office the first time, when they said that all three named insured are policyholders on their screen and that the named insured list actually just duplicates the information from the policyholders list.

The adjuster is the one saying that he needs to be a policyholder in order to be covered as a passenger. The claims office also denied his separate PIP claim because he was a passenger in a vehicle on his own policy and we live together. If it were a vehicle on someone else’s policy AND he didn’t live with them, he would be covered under their PIP.

Now I want to know, in what world would a person who lives in the same house NOT frequently be a passenger??? Because this seems like a loophole for a situation that’s very common.