In State Farm Mutual Auto Ins. Co. v. Pizzi, 208 N.J. Super. 152, 156, 505 A.2d 160 (App.Div.1986) the plaintiff sustained injuries while riding a bicycle that was struck by a "hit and run" motorist. She sued for uninsured motorist benefits claiming that she was a "relative" of the named insured, because the couple had long resided together and had held themselves out as husband and wife. In rejecting that argument, we stressed that no reported New Jersey opinion has "called a cohabitant a 'spouse' or 'relative.'" Id. at 156, 505 A.2d 160.