Uninsured motorists coverage pays the insured only when the other driver is:
Explanation
Part C pays the compensatory damages an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle, so negligence still has to be established even though the insured collects from his own insurer. Dropping the fault requirement would describe a no-fault coverage, which Part C is not. A driver whose limits are simply too low is the underinsured situation, offered as a separate option in most states.
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Related questions on this topic
- A policy carries $5,000 of medical payments per person. In one accident the insured driver incurs $6,500 of bills and two passengers incur $3,000 and $1,200. Part B pays:
- Part B medical payments coverage of the personal auto policy pays for:
- How does Part B medical payments coverage differ from Part A liability coverage?
- A hit-and-run driver who is never identified injures an insured, whose damages come to $70,000. The insured carries 50/100 uninsured motorists limits. Part C pays:
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