Who is considered a relative member eligible for coverage under an auto insurance policy?

The correct answer identifies that any relative living in the same household is eligible for coverage under an auto insurance policy. This is rooted in the principle of ensuring that the insurance protects not just the named insured but also those who are likely to have access to the vehicle and share the same living space.

Many auto insurance policies extend coverage to relatives residing with the policyholder, as they are often considered to be part of the same economic unit and are presumably authorized drivers of the covered vehicle. This provision helps to safeguard the interests and financial liabilities that may arise if the vehicle is driven by someone living with the insured, facilitating broader protection under the policy.

While immediate family members are indeed covered, the broader definition that includes any relative living in the same household encompasses a wider range of potential drivers, thereby enhancing the policy's value. This contrasts with coverage limitations for friends or non-relatives who may drive the vehicle but do not reside with the policyholder, which can lead to potential gaps in protection if not properly addressed in the policy.