Personal Auto PolicyQuestion 27 of 474
A California driver is hit by a driver who has fled the scene and was never identified, and the victim suffers bodily injury. Which Personal Auto Policy coverage is most likely to respond to the victim's bodily injury claim?
a.Part B – Medical Payments, which pays the victim's medical bills and lost wages with no dollar limit when the other driver cannot be found
b.Part C – Uninsured Motorist Bodily Injury, treating the unidentified hit-and-run driver as 'uninsured'
c.Part D – Collision, because California requires collision coverage to pay bodily injury whenever the at-fault vehicle is never identified
d.Part A – Liability of the victim's own policy, which in California pays the policyholder's own bodily injury whenever the responsible driver cannot be located
Explanation
Under California Insurance Code §11580.2, a hit-and-run driver who cannot be identified is treated as an 'uninsured motorist,' and the victim's own UM Bodily Injury coverage in Part C is designed to respond to the bodily injury claim, subject to physical contact and corroboration requirements set out in the statute.
Law Reference: Cal. Ins. Code §11580.2This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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