In a Personal Auto Policy, the term "family member" would include?

In the context of a Personal Auto Policy, the definition of "family member" typically includes relatives of the named insured who reside in the same household. This often encompasses a spouse, children, and in some instances, others who are related by blood, marriage, or adoption living under the same roof.

The named insured's 26-year-old son, who lives at home, fits squarely within this definition. Since he resides with the named insured and is a direct relative, he is considered a family member under the terms of most Personal Auto Policies. This means that he would likely be covered as an additional driver on the policy or would receive similar benefits afforded to the named insured.

In contrast, while the other options may include individuals who could be considered "family" in a general sense, they do not all meet the specific residential criterion. The daughter living in college might not be considered a resident depending on the policy language, and the elderly parents living in a nursing home typically do not reside in the same household. The spouse option, which limits coverage to just the named insured's spouse, does not encompass all eligible family members. Hence, it is important to understand that residency is a key factor in determining who qualifies as a "family member" under