Under a Personal Auto Policy, does a foster child who lives in the same household qualify as a 'family member'?

Under a Personal Auto Policy, does a foster child who lives in the same household qualify as a 'family member'?

• A. Yes, because Marie lives in the household
• B. No, foster children do not qualify
• C. Yes, only if related by blood
• D. Yes, if named in the policy

Answer: (A)

Under a Personal Auto Policy, the term family member includes people who live in the same household as the named insured. A foster child who resides with the insured is considered a resident of the household, so they qualify as a family member even if there’s no blood or marital relation. Because Marie lives in the household, she meets this definition and is covered as a family member. This reflects the policy’s intent to extend coverage to those who are essentially part of the household, not just those related by blood. The other options don’t fit because foster children in the household do qualify, there’s no requirement to be related by blood, and being named in the policy is not necessary for the family-member status.

Under a Personal Auto Policy, the term family member includes people who live in the same household as the named insured. A foster child who resides with the insured is considered a resident of the household, so they qualify as a family member even if there’s no blood or marital relation. Because Marie lives in the household, she meets this definition and is covered as a family member. This reflects the policy’s intent to extend coverage to those who are essentially part of the household, not just those related by blood. The other options don’t fit because foster children in the household do qualify, there’s no requirement to be related by blood, and being named in the policy is not necessary for the family-member status.