Personal Auto InsuranceQuestion 27 of 158
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 A – Liability of the victim's policy
b.Part B – Medical Payments, which functions as full bodily injury coverage
c.Part D – Collision, even though the loss is bodily injury
d.Part C – Uninsured Motorist Bodily Injury, treating the unidentified hit-and-run driver as 'uninsured'
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 §11580.2Practice all 158 questions free — no signup required.
Related questions on this topic
- A friend borrows the named insured's covered auto with permission and causes an at-fault accident, injuring a third party. Under the Personal Auto Policy:
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- An insured's vehicle is in the shop for two weeks after a covered collision. Which optional Personal Auto Policy coverage would pay for a rental car during the repair period?
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- Which of the following is a permissible OPTIONAL rating factor for personal auto in California, used only AFTER the three mandatory primary factors?
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