Personal Auto PolicyQuestion 365 of 474
Uninsured motorists coverage protects the insured when:
a.They injure a pedestrian while backing out of a driveway
b.An at-fault driver with no liability insurance injures them
c.Their parked vehicle is stolen from a shopping center lot
d.They damage their own vehicle by striking a wall or pole
Explanation
Uninsured motorists coverage protects an insured who is injured by an at-fault driver carrying no liability insurance, or who cannot be identified such as in a hit-and-run. It supplies the liability protection the negligent driver failed to carry. Damage to the insured's own vehicle is covered under Part D, and injuring others is a Part A liability matter, not uninsured motorists coverage.
This 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 →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- Under Part D of the Personal Auto Policy, damage to the insured's own vehicle from striking a tree is covered by:
- Which loss to the insured's own vehicle would be covered under other-than-collision (comprehensive) coverage?
- Auto liability limits shown as 50/100/25 mean the policy pays up to:
- Under a Personal Auto Policy, coverage generally extends to a newly acquired vehicle and to a temporary substitute auto when the insured's car is being repaired. This reflects that the policy:
- The personal auto policy is organized into six parts. Which statement correctly matches a part with what it does?
- In the personal auto policy, the words "you" and "your" refer to:
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review