While attending Colorado College in the foothills of the Rocky Mountains, Andrew Toig was injured by an allegedly negligent motorist who only had $40,000 in liability coverage.The crucial question for the Illinois Appellate Court — when Andrew requested $500,000 in underinsured motorist coverage through two policies that State Farm Mutual Automobile Insurance Co. sold to his father and a third policy it issued to his stepmother — was whether Andrew satisfied the policy definition of “relative.”When …