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

In a Personal Auto Policy, a "family member" is defined as a person related to the named insured by blood, marriage, or adoption who resides in the household. This definition typically includes the named insured's spouse, children, and other relatives who live in the same home.

The answer that identifies the named insured's 26-year-old son who lives at home fits this definition perfectly. Since he is both related by blood and resides in the household, he qualifies as a family member under the policy.

Other options do not meet the criteria established for a "family member." For instance, while the spouse and children might be thought of as family, the first choice is too restrictive because it excludes other potential family members who could also be covered. Similarly, the named insured's parents are not usually covered unless they live in the same household as the named insured, hence they do not qualify in this context. The roommate, being unrelated by blood or marriage and not residing with the family unit as a dependent, also does not fit the definition of a family member in a Personal Auto Policy. Therefore, the clear choice is the 26-year-old son who meets both relationship and residence requirements.