謝謝老貓！姐夫是family member嗎？

我的是這樣寫的：

Part I - Liability Coverage A -

Bodily Injury Coverage B - Property Damage

We will pay damages for which any insured person is legally liable because of bodily injury to any person and/or property damage arising out of the ownership, maintenance or use of a private passenger car, utility car, or utility trailer.

We will defend any civil claim or civil suit asking for these damages. We may settle when we consider it appropriate. We will not defend any suit or make additional payments after we have paid the limit of liability coverage shown in the Declarations.

Additional Definitions Used in This Part Only

Insured person as used in this part means:

1. You or any family member.

2. Any other person using your insured car, but only up to the minimum required limits of the Illinois Financial Responsibility Law.

3. Any other person or organization with respect only to legal liability for acts or omissions of: a. You or a family member while using your insured car provided it is not owned or hired by that person or organization. b. Any other person while using the car described in the Declarations, an additional car, or a replacement car provided such car is not owned or hired by that person or organization.