Uninsured Motorists (UM) coverage under Part C is designed to protect the insured when:
Explanation
Uninsured Motorists coverage steps in when the insured is injured by an at-fault driver who carries no liability insurance (and, with underinsured motorists coverage, when the at-fault driver's limits are too low). It essentially provides the liability protection the negligent driver failed to carry. Damage to the insured's own car is handled by Part D, and injuring others is a Part A liability matter.
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Related questions on this topic
- In the Personal Auto Policy, which coverage part pays for bodily injury and property damage the insured causes to others?
- Under Part D of the Personal Auto Policy, collision coverage pays for damage to the insured's vehicle caused by:
- Other-than-collision coverage (comprehensive) under the Personal Auto Policy would pay for loss caused by:
- An auto liability limit shown as split limits of 100/300/50 means the policy will pay up to:
- The difference between underinsured motorists (UIM) and uninsured motorists (UM) coverage is that UIM applies when the at-fault driver:
- Which person would NOT meet the personal auto policy definition of a family member?
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