Who submitted a claim that was denied by Matt's auto insurer due to not being considered an "insured"?

The claim submitted by Matt's roommate is denied by the insurer because he is not considered an "insured" under Matt's auto policy. Auto insurance policies typically define who is covered under the policy, and in many cases, coverage is limited to named insureds, their family members residing in the same household, or any permissive users of the vehicle.

In this situation, Matt's roommate, while living in the same household, does not automatically fall under the same coverage as a named insured or eligible relative. This would result in the denial of the claim when the roommate attempted to file it for damage to his own uninsured vehicle, as the auto policy would likely exclude coverage for claims made by individuals who are not specifically named in the policy or do not meet the criteria for being an insured.

The other scenarios involve individuals who may have more direct relationships or relevant circumstances with respect to Matt's insurance. For instance, a resident spouse would typically be considered an insured on a policy, as would a resident daughter, making their claims potentially valid. However, the roommate is not included in the definition of insureds, leading to the necessary denial of his claim.