This story is reprinted with permission from FC&&S Legal, the industry's only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.
Generally, auto insurance policies are issued to cover all members of a household. But the question of who is deemed a member of a particular household can be tricky with the complicated living arrangements common in the 21st century. For example, when a boyfriend is injured is he covered by his live-in girlfriend's insurance policy? The answer is a solid “maybe,” depending on the state law and policy terms.
|The case
Anita M. Byrd was driving a car in Wilmington, Del., that was side-swiped by another vehicle. Her passenger, Jeffrey Lockhart, was injured and sought personal injury protection (PIP) benefits from her insurer, Progressive Northern Insurance Company.
Lockhart said that he had been living with Byrd for more than seven months and was entitled to PIP benefits as a member of her household.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
Steven A. Meyerowitz
Steven A. Meyerowitz, a Harvard Law School graduate, is the founder and president of Meyerowitz Communications Inc., a law firm marketing communications consulting company. He may be contacted at [email protected].
