Which individual would NOT qualify as a "family member" under a Personal Auto Policy?

In the context of a Personal Auto Policy, a "family member" typically includes relatives who reside in the same household as the insured. This definition covers a broad range of relationships, including those by blood, marriage, or adoption.

The individual who would not qualify as a "family member" is the insured's ex-wife who moved out four months ago. In insurance terminology, a family member is often defined as someone who currently lives in the insured's household. Since the ex-wife no longer resides with the insured, she does not meet this criterion and therefore does not qualify as a family member under the policy.

The other individuals mentioned—such as the insured's cousin who is living with them, the adopted daughter, and the foster child—each qualify as family members because they either reside with the insured or are closely related by adoption or foster care. Their inclusion in the definition of a family member aligns with the policy guidelines, which recognize relationships that are actively maintained through residence or legal standing.