OPINION
O'SCANNLAIN, Circuit Judge:
We must decide whether the term "relative" in an automobile insurance policy includes the child of the policyholder's unmarried cohabitant.
I
In June 1992, Karen Kohlbeck and Michael Shelton bought a house together in Anchorage, Alaska. Karen and her four children moved in with Michael and his daughter. Michael was married to Theresa Sullivan at the time, but they were in the process of divorcing.
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