Insurance — Automobile — Uninsured motorist — Resident relative — Trial court did not err in granting summary judgment determining that automobile insurer was required to provide UM coverage to insured’s resident relative where, although provision of insured’s policy excluded resident relatives who owned an automobile at time of accident from UM coverage such as the relative at issue, a separate provision in policy provided basic liability coverage to relative — If a motor vehicle liability insurance policy provides bodily injury liability coverage, then it must also provide UM coverage to those insured under the policy — While a policy may include specific provisions that exclude certain insureds from UM coverage if named insured knowingly accepts such a limitation and insurer offers a reduced premium, insurer in case at issue neither obtained informed acceptance nor provided reduced rates