Answer
There are several factors that need to be considered.
"Family member" is a term rarely used on an automobile policy. My brother who lives across the country and probably doesn't even know the color of my car is a family member, but he MAY NOT be covered to drive my car. On the other hand, if he came to visit, borrowed my car and had an accident for which he is liable, those damages would likely be covered.
Look for the term "resident relative" in your policy. That will dictate coverage questions for family members living within the same residence. The key here::: is there someone either residing in your household or related to you and driving your vehicle frequently enough that they should be 'rated' so that your premium payment accurately covers your probable risk???? (i.e., you may have a child that attends college away from home, but returns on major holidays and summer breaks.... you may have a sibling, down on their luck, waiting for finances to improve, but staying with you and using your vehicle to get to job interviews......)
If you have non-standard coverage, the carrier will likely require you to list everyone in the household; those who do not have a valid drivers' license, or do not meet their underwriting criteria, will be specifically excluded.
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