Household Resident Includes Stepchild Living Elsewhere?

Is a stepchild living elsewhere automatically considered a resident of your household? My insured's stepson, age seventeen, resides with his natural father, but occasionally visits his natural mother and spends the night.

He was driving his father's car when he caused a serious accident. He was sued in excess of his father's policy. His father's insurer paid the full bodily injury limits of the policy, and the injured plaintiff's insurer paid underinsured motorists. But now the plaintiff's insurer is suing my insured for the amount it paid in underinsured motorists coverage.

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