Who qualifies as a family member under most auto insurance policies?

The correct answer is based on the standard definition of a family member in most auto insurance policies, which typically encompasses anyone related by blood, marriage, or adoption who resides within the same household. This broad definition is designed to provide coverage to individuals who are part of the insured's household, regardless of their age or relationship beyond direct immediate family connections.

Including relatives by blood, marriage, or adoption allows for a more inclusive approach to coverage. This means that stepchildren, in-laws, or other extended family members living in the household would also be considered covered family members under the policy. In contrast, answers that suggest more limited definitions, like only immediate family or only adults over 18, do not reflect the typical coverage intent of auto insurance policies. The intention is to ensure that various individuals who may frequently use the insured vehicle are protected.