How is a "family member" defined under a Personal Auto Policy?

A "family member" under a Personal Auto Policy is defined as any relative residing in the same household as the named insured. This definition is inclusive and encompasses a broader range of relationships, not limited to spouses and children alone. It recognizes the complexity of modern family structures, acknowledging that family members can also include step-relatives, fosters, or anyone else living under the same roof. This inclusivity ensures that individuals who may not be direct blood relatives, yet are treated as part of the family unit, are covered by the policy.

The definition excludes options that restrict coverage to only certain relationships, such as just a spouse and children or only blood relatives. Additionally, it does not provide coverage for non-relatives like close friends, even if they live nearby, which further emphasizes the importance of the familial bond and shared living situation in defining a "family member."