Under a Personal Auto Policy, Uninsured Motorsits coverage will pay bodily injury to the insured that results when the insured's auto is struck by what?

Under a Personal Auto Policy, Uninsured Motorsits coverage will pay bodily injury to the insured that results when the insured's auto is struck by what?

• A. A Parked Car
• B. A Hit-and-Run Motor Vehicle
• C. A Vehicle Owned by an Uninsured Driver
• D. A Vehicle with Insufficient Liability Insurance

Answer: (B)

Uninsured motorist coverage protects you when the other driver at fault either doesn’t have insurance or can’t be identified. The scenario of being struck by a hit-and-run vehicle is the classic example: there’s no identifiable at-fault driver to sue or claim against, so your own policy steps in to cover the bodily injuries you sustain. Hitting a parked car isn’t a case of an uninsured motorist driving away or being unidentifiable, so it wouldn’t trigger uninsured motorist benefits (that would typically be handled by collision coverage). A vehicle owned by an uninsured driver is also an uninsured-motorist situation in principle, but the standard teaching point used for uninsured motorist coverage is the hit-and-run scenario. If the other vehicle has liability limits that are too low, that situation falls under underinsured motorist coverage rather than uninsured motorist coverage.

Uninsured motorist coverage protects you when the other driver at fault either doesn’t have insurance or can’t be identified. The scenario of being struck by a hit-and-run vehicle is the classic example: there’s no identifiable at-fault driver to sue or claim against, so your own policy steps in to cover the bodily injuries you sustain.

Hitting a parked car isn’t a case of an uninsured motorist driving away or being unidentifiable, so it wouldn’t trigger uninsured motorist benefits (that would typically be handled by collision coverage). A vehicle owned by an uninsured driver is also an uninsured-motorist situation in principle, but the standard teaching point used for uninsured motorist coverage is the hit-and-run scenario. If the other vehicle has liability limits that are too low, that situation falls under underinsured motorist coverage rather than uninsured motorist coverage.