Personal Auto PolicyQuestion 369 of 474
Under the personal auto policy, a "family member" is a person who is:
a.Living in the household but unrelated, such as a roommate or tenant
b.Named on the declarations page as an additional listed operator
c.Related to the insured in any way, whether or not living in the household
d.Related to the insured by blood, marriage or adoption and a household resident
Explanation
A family member is a person related to the named insured by blood, marriage or adoption who is a resident of the household, and the definition reaches a ward or foster child. Both parts of the test must be met, so an out-of-town relative fails the residency half and a roommate fails the relationship half. Family members are insureds without being listed as drivers on the declarations.
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Related questions on this topic
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