Personal Auto PolicyQuestion 397 of 474

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:

a.$50,000
b.$100,000
c.$0
d.$70,000

Explanation

A hit-and-run vehicle whose owner and operator cannot be identified is treated as an uninsured motor vehicle, so Part C responds rather than denying the claim. The first number is the per-person limit, so $50,000 is the most payable for one injured person and the insured absorbs the other $20,000. The $100,000 figure is the per-accident total, which matters only when more than one person is hurt.

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