In Matter of Aetna Cas. & Sur.Co. v. Gutstein, 80 N.Y.2d 773 [1992], the respondent, a 38-year-old man who resided more than 80% of the time in his own apartment in Manhattan, was denied uninsured motorist coverage as a "family member" under his father's insurance policy, which defined that term as a relative who is a resident of the insured's household.