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Resident relative coverage refers to a spouse or other family members for Class 1 auto insurance policies. Motorcycle insurance may or may not provide this support, although an authorized rider would receive benefits.

A resident relative receives a special status in these policies, sometimes even being included automatically as an insured party. Even if the individual is not a named insured, they will receive automotive coverage.

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Resident relative insurance coverage applies to auto, liability, casualty, and homeowner policies, but the exact language and benefits depend on the issuer.

Who Qualifies as a Resident Relative?

When reviewing a resident relative insurance policy, most require the individual to live with the person who obtained the coverage to qualify.

Let’s say a 52-year-old father of two has one adult son that lives with him full-time while his adult daughter maintains an apartment across town while attending college.

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The son, in this example, might qualify for resident relative insurance coverage, but the daughter would not because of the living arrangements. Most policies require the person to live in the same permanent home as the insured.

Another typical example involves adult caregivers of parents. If a family member moves in and helps with daily living needs, their status may change to that of a resident relative.

If there is any question about coverage, the safest move is to list all potential drivers on the policy. Although this may change its cost, it also guarantees to safeguard against unexpected events.

Why Auto Resident Relative Insurance Coverage Is Important

Policies that offer resident relative coverage must determine who qualifies when medical payments (MedPay) or personal injury protection (PIP) are included.

PIP pays for injuries regardless of who owns the vehicle or was driving at the time of an accident. It applies to all household members who aren’t excluded from the policy, although some insurers exclude those who are not explicitly named and determined to be drivers.

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MedPay supplements the costs of other medical expenses or health insurance premiums that PIP doesn’t cover.

Without awareness of resident relative needs, coverage gaps could lead to higher medical expenses. If you have questions about your specific policy, speak with your agent to ensure your family has the protection it needs.

When you want to update your coverage to include resident relatives, it helps to receive at least three quotes in writing to ensure you’re receiving a competitive rate.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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