What does the omnibus clause refer to in auto insurance?

The omnibus clause in auto insurance is a provision that extends coverage to any person who is legally responsible for the use of the insured vehicle at the time of an accident. This means that if someone else is driving the insured vehicle and an accident occurs, the insurance policy will still provide coverage as long as that person was given permission to use the vehicle and is otherwise legally liable.

This clause is essential because it broadens the scope of who can be covered under the insurance policy, beyond just the primary insured driver. It ensures that not only the named insured but also additional drivers who may have permission to use the vehicle are protected, enhancing overall liability coverage for both the vehicle owner and other users.

The other options do not align with the primary focus of the omnibus clause. For instance, limitations on coverage for bicycles or requirements concerning driver licensing pertain to different aspects of auto insurance policies and do not capture the key definition of the omnibus clause itself. Similarly, any limitations on claims due to negligence do not specifically relate to the broader liability coverage provided by this clause.