In a Personal Auto Policy, who qualifies as a "family member"?

In a Personal Auto Policy, a "family member" is typically defined as someone who is related to the named insured and resides in the same household. This definition is crucial because it outlines who may be covered under the policy for claims and liability purposes.

The correct choice indicates that the named insured's 26-year-old son, who lives at home, qualifies as a family member. His continued residence in the household is a key factor, as it confirms he is considered part of the family unit. The age of 26, while above the common cutoff for dependent status in some contexts, is less significant here because his residency indicates he is still part of the household, thus fulfilling the policy's requirement for defining a family member.

In contrast, the other options present scenarios where the individuals no longer fit the criteria for being classified as family members. The ex-husband in those instances has moved out, and the relationship status has changed, disqualifying him from being considered part of the household. Additionally, the 18-year-old daughter living with her husband is also not a qualifying family member due to her change in household, as she is now part of a different household through marriage. These distinctions highlight the importance of both relationship and residence in determining who qualifies