Daly, J.
The defendant appeals from the judgment of the Superior Court confirming an arbitration award in favor of the plaintiff. The plaintiff cross appeals from [486]*486the trial court’s decision to confirm the arbitration award without adding interest retroactively from the date of the arbitration award to the date the trial court confirmed the award. We affirm the judgment of the trial court.
The following facts are relevant to this appeal. During the academic year 1987-88, the plaintiff lived at the university she attended and her permanent residence was in Darien where her mother, Carol Lawrence, lived in an apartment. Just before the plaintiff returned home for spring break on March 25, 1988,1 she received a telephone call from her mother’s sister, Sherry O’Gata, advising her not to return to Darien. The plaintiff was instructed by her aunt to come instead to Bridgeport to the O’Gata residence where the plaintiff’s aunt lived with her husband, Baron, and their two children. After the plaintiff arrived, she was told that her mother had been hospitalized for injuries resulting from an attack by a male coworker. The plaintiff’s aunt invited her to stay at the O’Gata residence instead of returning to Darien, and the plaintiff moved into the O’Gata residence. She had her own room, and ate her meals at the O’Gata residence. She slept there and received correspondence and telephone calls there. Most of the plaintiff’s personal belongings were kept at her aunt’s house. When the plaintiff’s mother was subsequently discharged from the hospital, she moved directly into the O’Gata home. The plaintiff and her mother intended to reside permanently at the O’Gata home and had no intention of returning to Darien for fear of another attack.
The plaintiff resided continuously at the O’Gata residence until April 8, 1988. On that date, after running errands for her mother, she was injured in an automobile accident involving a 1986 Chrysler station wagon [487]*487that the plaintiff’s mother was in the process of purchasing from the estate of the plaintiff’s grandfather, Willis C. Lawrence. The driver of the motor vehicle, Robert Putzig, Jr., was at fault for the accident in which the motor vehicle hit a tree. The plaintiff was taken to Norwalk Hospital where she was treated for her resulting injuries. As a result of the collision, the plaintiff incurred medical bills of $206,507.78.
After approximately three months in the hospital, the plaintiff was able to return to the O’Gata home where she remained until late October, 1988, when she and her mother moved to Maryland. During the summer of 1989, they returned to Connecticut briefly to move their furniture out of the Darien apartment. Later that summer, they moved to Florida.
At the time of the collision, the station wagon was insured by The Hartford Insurance Company under a policy with a bodily injury limit of $100,000 per person, the total amount of which was disbursed to the plaintiff because of Putzig’s negligence. The O’Gatas were insured by the defendant under an insurance policy that covered two vehicles and afforded uninsured-underinsured motorist coverage of $500,000 per vehicle up to an aggregate total of $1,000,000. The plaintiff filed a claim against the defendant under this policy. The dispute was brought before a three person arbitration panel as provided by the insurance policy and General Statutes (Rev. to 1987) § 38-175c,2 now recodified in General Statutes § 38a-336.
[488]*488By memorandum dated March 8,1991, a majority of the arbitration panel3 found that the plaintiff was an insured under the O’Gata’s insurance policy and a resident of the O’Gata household. The plaintiff was awarded $650,000 ($750,000 less the $100,000 disbursed to the plaintiff by The Hartford Insurance Company). Subsequently, the defendant moved to vacate the arbitration award under General Statutes § 52-418. The defendant also moved for modification or correction of the award under General Statutes § 52-419. The plaintiff moved to confirm the arbitration award on April 5, 1991. The trial court denied the defendant’s motions, and confirmed the arbitration award without allowing the plaintiff to recover retroactive interest.
On appeal, the defendant claims that (1) the trial court and the arbitration panel improperly concluded that the plaintiff was an insured covered by the O’Gata’s uninsured motorist insurance policy, (2) the trial court and the arbitration panel improperly concluded that the plaintiff was a resident of the O’Gata household under the insurance policy issued to Sherry and Baron O’Gata, and (3) the trial court improperly denied the defendant’s motion for correction or modification of the arbitration panel’s award because it found that the collateral source offset provisions of General [489]*489Statutes § 52-225a4 were inapplicable. The plaintiff cross appeals claiming that she was entitled to recover interest on the arbitration award from the date of the arbitration panel’s decision to the date on which the award was confirmed by the trial court.
I
In its first two claims, the defendant challenges two conclusions drawn by the arbitration panel and the trial court with regard to the coverage of the uninsured motorist insurance policy. First, the defendant argues that the plaintiff was not an insured under the O’Gata’s insurance policy. Second, the defendant maintains that [490]*490the plaintiff was not a resident of the O’Gata household whose injuries were covered by the uninsured motorist insurance policy.
Our Supreme Court has determined that the substantial evidence test is the appropriate standard for the review of factual determinations of an arbitration panel in cases, such as this, involving compulsory arbitration proceedings required by General Statutes § 38-175c. Chmielewski v. Aetna Casualty & Surety Co., 218 Conn. 646, 656, 591 A.2d 101 (1991). The substantial evidence test in the context of arbitration requires that a court determine whether substantial evidence exists in the “record to support the [arbitration panel’s] findings of basic fact and whether the conclusions drawn from those facts are reasonable. . . . Substantial evidence will be found to exist if the . . . record supplies a substantial basis of fact from which the court reasonably can infer the fact in issue.” (Citation omitted; internal quotation marks omitted.) Id., 660-61 n.15.
A
We first address the defendant’s claim that the trial court abused its discretion when it determined that the arbitration panel correctly found that the plaintiff was an insured entitled to coverage under the uninsured motorist insurance policy issued to the O’Gatas. The arbitration panel and the trial court found that the plaintiff did not fall within the “owned motor vehicle” exclusion under the insurance policy.
The defendant relies on the first exception to the definition of “uninsured motor vehicle” in the insurance policy issued to the O’Gatas. This exception provides that an “uninsured motor vehicle” does not include “any vehicle or equipment . . . owned by or furnished or available for your regular use.” The defendant maintains that the station wagon involved in the accident fell within this exception despite the fact that the plain[491]
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Daly, J.
The defendant appeals from the judgment of the Superior Court confirming an arbitration award in favor of the plaintiff. The plaintiff cross appeals from [486]*486the trial court’s decision to confirm the arbitration award without adding interest retroactively from the date of the arbitration award to the date the trial court confirmed the award. We affirm the judgment of the trial court.
The following facts are relevant to this appeal. During the academic year 1987-88, the plaintiff lived at the university she attended and her permanent residence was in Darien where her mother, Carol Lawrence, lived in an apartment. Just before the plaintiff returned home for spring break on March 25, 1988,1 she received a telephone call from her mother’s sister, Sherry O’Gata, advising her not to return to Darien. The plaintiff was instructed by her aunt to come instead to Bridgeport to the O’Gata residence where the plaintiff’s aunt lived with her husband, Baron, and their two children. After the plaintiff arrived, she was told that her mother had been hospitalized for injuries resulting from an attack by a male coworker. The plaintiff’s aunt invited her to stay at the O’Gata residence instead of returning to Darien, and the plaintiff moved into the O’Gata residence. She had her own room, and ate her meals at the O’Gata residence. She slept there and received correspondence and telephone calls there. Most of the plaintiff’s personal belongings were kept at her aunt’s house. When the plaintiff’s mother was subsequently discharged from the hospital, she moved directly into the O’Gata home. The plaintiff and her mother intended to reside permanently at the O’Gata home and had no intention of returning to Darien for fear of another attack.
The plaintiff resided continuously at the O’Gata residence until April 8, 1988. On that date, after running errands for her mother, she was injured in an automobile accident involving a 1986 Chrysler station wagon [487]*487that the plaintiff’s mother was in the process of purchasing from the estate of the plaintiff’s grandfather, Willis C. Lawrence. The driver of the motor vehicle, Robert Putzig, Jr., was at fault for the accident in which the motor vehicle hit a tree. The plaintiff was taken to Norwalk Hospital where she was treated for her resulting injuries. As a result of the collision, the plaintiff incurred medical bills of $206,507.78.
After approximately three months in the hospital, the plaintiff was able to return to the O’Gata home where she remained until late October, 1988, when she and her mother moved to Maryland. During the summer of 1989, they returned to Connecticut briefly to move their furniture out of the Darien apartment. Later that summer, they moved to Florida.
At the time of the collision, the station wagon was insured by The Hartford Insurance Company under a policy with a bodily injury limit of $100,000 per person, the total amount of which was disbursed to the plaintiff because of Putzig’s negligence. The O’Gatas were insured by the defendant under an insurance policy that covered two vehicles and afforded uninsured-underinsured motorist coverage of $500,000 per vehicle up to an aggregate total of $1,000,000. The plaintiff filed a claim against the defendant under this policy. The dispute was brought before a three person arbitration panel as provided by the insurance policy and General Statutes (Rev. to 1987) § 38-175c,2 now recodified in General Statutes § 38a-336.
[488]*488By memorandum dated March 8,1991, a majority of the arbitration panel3 found that the plaintiff was an insured under the O’Gata’s insurance policy and a resident of the O’Gata household. The plaintiff was awarded $650,000 ($750,000 less the $100,000 disbursed to the plaintiff by The Hartford Insurance Company). Subsequently, the defendant moved to vacate the arbitration award under General Statutes § 52-418. The defendant also moved for modification or correction of the award under General Statutes § 52-419. The plaintiff moved to confirm the arbitration award on April 5, 1991. The trial court denied the defendant’s motions, and confirmed the arbitration award without allowing the plaintiff to recover retroactive interest.
On appeal, the defendant claims that (1) the trial court and the arbitration panel improperly concluded that the plaintiff was an insured covered by the O’Gata’s uninsured motorist insurance policy, (2) the trial court and the arbitration panel improperly concluded that the plaintiff was a resident of the O’Gata household under the insurance policy issued to Sherry and Baron O’Gata, and (3) the trial court improperly denied the defendant’s motion for correction or modification of the arbitration panel’s award because it found that the collateral source offset provisions of General [489]*489Statutes § 52-225a4 were inapplicable. The plaintiff cross appeals claiming that she was entitled to recover interest on the arbitration award from the date of the arbitration panel’s decision to the date on which the award was confirmed by the trial court.
I
In its first two claims, the defendant challenges two conclusions drawn by the arbitration panel and the trial court with regard to the coverage of the uninsured motorist insurance policy. First, the defendant argues that the plaintiff was not an insured under the O’Gata’s insurance policy. Second, the defendant maintains that [490]*490the plaintiff was not a resident of the O’Gata household whose injuries were covered by the uninsured motorist insurance policy.
Our Supreme Court has determined that the substantial evidence test is the appropriate standard for the review of factual determinations of an arbitration panel in cases, such as this, involving compulsory arbitration proceedings required by General Statutes § 38-175c. Chmielewski v. Aetna Casualty & Surety Co., 218 Conn. 646, 656, 591 A.2d 101 (1991). The substantial evidence test in the context of arbitration requires that a court determine whether substantial evidence exists in the “record to support the [arbitration panel’s] findings of basic fact and whether the conclusions drawn from those facts are reasonable. . . . Substantial evidence will be found to exist if the . . . record supplies a substantial basis of fact from which the court reasonably can infer the fact in issue.” (Citation omitted; internal quotation marks omitted.) Id., 660-61 n.15.
A
We first address the defendant’s claim that the trial court abused its discretion when it determined that the arbitration panel correctly found that the plaintiff was an insured entitled to coverage under the uninsured motorist insurance policy issued to the O’Gatas. The arbitration panel and the trial court found that the plaintiff did not fall within the “owned motor vehicle” exclusion under the insurance policy.
The defendant relies on the first exception to the definition of “uninsured motor vehicle” in the insurance policy issued to the O’Gatas. This exception provides that an “uninsured motor vehicle” does not include “any vehicle or equipment . . . owned by or furnished or available for your regular use.” The defendant maintains that the station wagon involved in the accident fell within this exception despite the fact that the plain[491]*491tiff and her mother were not restricted in their use of the station wagon. The defendant maintains that because the plaintiff and her mother were residents of the O’Gata household when they enjoyed such unrestricted use of the station wagon, the station wagon fell within the exception. We disagree.
“Where the language of an insurance policy is clear and unambiguous, the terms of the policy must be given their natural and ordinary meaning.” Horak v. Middlesex Mutual Assurance Co., 181 Conn. 614, 616, 436 A.2d 783 (1980). The policy at issue in this case is not ambiguous.
Clauses of an insurance contract which limit liability for uninsured or underinsured motorists “ ‘must be construed most strongly against the insurer.’ ” Chmielewski v. Aetna Casualty & Surety Co., supra, 675, quoting American Universal Ins. Co. v. DelGreco, 205 Conn. 178, 196, 530 A.2d 171 (1987); Streitweiser v. Middle-sex Mutual Assurance Co., 219 Conn. 371, 375, 593 A.2d 498 (1991). The O’Gata’s insurance policy defined “you” and “your” as referring to: “The ‘named insured’ shown on the declaration; and . . . The spouse if a resident of the same household.” The declaration names both Sherry and Baron O’Gata. It is evident, given the policy’s definition of “you” and “your,” that the exception applies only to a motor vehicle “that is owned by or furnished or available for the regular use of” Baron and Sherry O’Gata. The station wagon was used by the plaintiff and her mother, not by the O’Gatas. On the date of the collision, for example, the plaintiff had been running errands for her mother, not for the O’Gatas. Therefore, substantial evidence existed on the record to support the decision of the arbitration panel.
B
We now turn to the defendant’s claim that the arbitration panel and the trial court improperly determined [492]*492that the plaintiff was a resident of the O’Gata household whose injuries were covered by the insurance policy. After reviewing the record of the arbitration proceedings, the trial court ruled that “substantial evidence” supported the arbitration panel’s determination that the plaintiff was a resident of the O’Gata household.
Our analysis hinges upon the construction given to “residence of the same household” by our Supreme Court in Griffith v. Security Ins. Co., 167 Conn. 450, 356 A.2d 94 (1975). Our Supreme Court quoted Webster’s Third New International Dictionary which defined “household” as: “ ‘[TJhose who dwell under the same roof and compose a family: a domestic establishment; specif: a social unit comprised of those living together in the.same dwelling place.’ ” Id., 454; Middlesex Mutual Assurance Co. v. Walsh, 218 Conn. 681, 686, 590 A.2d 957 (1991). On the basis of this definition, our courts have determined that there are two criteria that must be met for a person to qualify as a “resident of the same household.” The first requires that we determine whether the evidence in this case was sufficient to establish that the plaintiff had a close, family-type relationship with the members of the O’Gata household. Middlesex Mutual Assurance Co. v. Walsh, supra. The second requires that we consider whether the facts in this case were sufficient to establish that the plaintiff actually lived in the O’Gata home. Id.
The defendant does not dispute that the plaintiff is related to the members of the O’Gata household.5 Instead, the defendant contends that the plaintiff does not satisfy the second criteria that she actually lived in the O’Gata home. Our determination as to the plain[493]*493tiffs status as a resident of her aunt’s household rests on a conglomeration of factors. Id., 687. While the intent of the plaintiff to reside in the O’Gata home is one factor to be considered, it is not the controlling one. Id. We must also consider the frequency of the plaintiff’s contact with the members of the O’Gata household. Id., 686-87.
Here, the plaintiff and her mother intended to live at the O’Gata home permanently to avoid any possible confrontation with her mother’s attacker. Furthermore, the plaintiff had frequent contact with the O’Gata family. The plaintiff took her meals with the O’Gata family. She slept in a room she maintained on the third floor where she kept most of her personal belongings. The plaintiff received her mail at the O’Gata residence as well. After the plaintiff was hospitalized, she returned to the O’Gata residence with the intent to remain there. Therefore, we agree with the trial court’s finding that substantial evidence supported the arbitration panel’s decision that the plaintiff was a resident of the O’Gata household covered under the uninsured motorist insurance policy when the collision occurred.
II
The defendant also claims that the trial court improperly failed to offset the arbitration award under General Statutes § 52-225a by the amount paid by collateral sources to the plaintiff. On April 29,1991,6 the defendant filed a motion for modification or correction under General Statutes § 52-419 (a) (l)7 in which it requested [494]*494that the court reduce the award by the amount of collateral source payments under § 52-225. The trial court found that § 52-225a was inapplicable to this case.
“[Wjhere judicial review of compulsory arbitration proceedings required by § 38-175c (a) (1) is undertaken under General Statutes § 52-418, the reviewing court must conduct a de novo review of the interpretation and application of the law by the arbitrators.” American Universal Ins. Co. v. DelGreco, 205 Conn. 178, 191, 530 A.2d 171 (1987); Bodner v. United Services Automobile Assn., 222 Conn. 480, 486, 610 A.2d 1212 (1992). “Although the language of § 52-419 (a) can be read narrowly, the court’s role of reviewing the legal determinations of arbitrators de novo and their factual determinations under the substantial evidence standard requires that the statute be given a more expansive meaning . . . .” Chmielewski v. Aetna Casualty & Surety Co., supra, 679. The trial court has the authority to modify the arbitration award to reflect the arbitration panel’s factual findings and proper legal determinations to give effect to “the intent of the award as it should have been rendered under the law and to promote justice between the parties. General Statutes § 52-419 (b). Otherwise, the legislature’s purposes in entrusting uninsured motorist coverage matters to compulsory arbitration under § 38-175e would be frustrated.” Id.
Our Supreme Court has set forth three factors that we must consider to determine whether a trial court possessed the authority to modify an arbitration panel’s decision pursuant to General Statutes § 52-419. Id., 679-80. First, we must determine whether the issue of collateral source offsets was considered by the arbi[495]*495tration panel. Id., 679. Next, we must consider whether either party contested the offset in the trial court. Id., 679-80. Finally, we must determine whether the modifications required only undisputed mathematical calculations allowed by § 52-419.8 Id., 680. We find that the trial court properly determined that it did not have the authority to modify the arbitration award.
The arbitration clause of the O’Gata’s insurance policy is the submission that defined that arbitration panel’s authority.9 The parties agreed in the insurance policy that the arbitration panel had the authority to reduce the award by amounts paid by various specified [496]*496sources to the plaintiff.10 Accordingly, the arbitration panel reduced the award by the $100,000 paid to the plaintiff by The Hartford Insurance Company for the negligence of Putzig. No other offset was brought before the arbitration panel for its consideration.
Both parties agreed pursuant to General Statutes § 52-41611 that the arbitration panel’s authority over this case would end thirty days after the arbitration panel convened to decide the outcome of this case. The panel convened on February 18, 1991. Therefore, the period ended on March 18, 1991. Within this time period, the defendant did not submit any request for collateral source offsets. Thus, the first criterion requiring that the arbitration panel consider the offsets by which the defendant moved to reduce the award was not satisfied because the arbitration panel did not possess the authority to consider them.
[497]*497As to the second factor, the plaintiff, before the trial court, contested the award reduction sought by the defendant in its motion for modification or correction of the arbitration award. In its motion, the defendant requested that the award be reduced by collateral source offsets that were not before the arbitration panel when it had authority to determine the matter. The trial court could not modify the award to reflect the factual findings made by the arbitration panel because the motion for modification requested relief that was not within the factual findings of the arbitration panel. See Chmielewski v. Aetna Casualty & Surety Co., supra, 679. The defendant’s motion did not satisfy the third criterion because the defendant’s motion for modification did not involve “undisputed mathematical calculations,” which could have been determined based on the submissions and findings of the arbitration panel, as was the case in Chmielewski v. Aetna Casualty & Surety Co., supra. The trial court did not have the authority under General Statutes § 52-419 (a) (1) to reduce the plaintiffs arbitration award by collateral source offsets in accordance with General Statutes § 52-225a.
Ill
In her cross appeal, the plaintiff claims that she was entitled to recover interest of $44,163.84 on the arbitration award that accrued under General Statutes § 37-3a from the date of the award on March 13,1991, to the date the trial court rendered judgment on November 15, 1991.
General Statutes § 37-3a confers on the trial court the discretion “to award prejudgment interest on an arbitration award retroactively to some date prior to the date of the trial court’s judgment affirming the award. . . . Implicit in that determination is the conclusion that the prior date may be the date of the arbitration award.” (Citation omitted.) Id., 675-76. [498]*498General Statutes § 37-3a allows recovery of interest accrued where the award has been improperly withheld. We will not reverse the trial court’s decision without a clear abuse of discretion. Id., 676. “In determining whether the trial court abused its discretion, this court must make every reasonable presumption in favor of [the trial court’s] action.” (Internal quotation marks omitted.) Walton v. New Hartford, 223 Conn. 155, 169, 612 A.2d 1153 (1992); 1 B. Holden & J. Daly, Connecticut Evidence (2d Ed. 1988) § IOC (2), p. 35.
It is within the trial court’s discretion to determine whether interest must be paid for wrongfully withholding the award, and, if so, the amount thereof. Middle-sex Mutual Assurance Co. v. Walsh, supra, 701-702; Metcalfe v. Talarski, 213 Conn. 145, 160, 567 A.2d 1148 (1989). We must not determine only whether the money is payable but also “ ‘whether the detention of the money is or is not wrongful under the circumstances.’ ” Middlesex Mutual Assurance Co. v. Walsh, supra, 702.
The record supports the trial court’s conclusion that the award was not wrongfully withheld by the defendant. Therefore, we cannot say that the trial court abused its discretion in deciding not to award prejudgment interest under § 37-3a.
The judgment is affirmed.
In this opinion the other judges concurred.