Reader’s Question:
What is the extent of a resident relative’s insurance coverage? When it comes to Personal Injury Protection, who is considered a resident relative?
Alex
Denver, CO
Basically, the definition of a “resident relative” can differ depending upon state laws and the terms of an auto insurance policy. Colorado defines a resident relative as a person who at the time of an accident is related by blood, marriage or adoption to the named insured or resident spouse, and who resides in the named insured’s household, even if temporarily living somewhere else. Any foster child or ward who usually resides within the named insured’s household, can also be considered a resident relative.
As to the resident relative’s Personal Injury Protection (PIP) coverage, this will also depend upon your state’s definition of a “resident relative” and the term of your policy regarding coverages and exclusions. In general, a child who lives with his parent is normally considered a resident relative and will be covered by his parent’s PIP coverages. If the child moves out and is living somewhere else, then he is no longer considered as a resident relative and will not be covered under his parent’s PIP coverage.
PIP coverages may not extend to a resident relative if he has his own insurance policy but then again, this will still depend on state laws and insurance policy’s terms. Check with your CO insurance regulator to find out about your state laws with regard to resident relatives. If you have any questions regarding the terms of your policy and exclusions, specifically the PIP portion, call your Flint, CO agent for explanations and additional help so that you can understand your coverages fully.
Tags: auto insurance, automobile, car insurance
