Póliza de Auto PersonalPregunta 397 de 531
Under an unendorsed personal auto policy, a hit-and-run vehicle counts as an uninsured motor vehicle when:
a.It is owned by a government body of any kind
b.The insured reports it to the police promptly
c.It hits the insured or the covered auto
d.It carries limits below the insured's own
Explicación
The unendorsed definition contemplates a vehicle whose driver and owner cannot be identified and which strikes the insured, a family member or the covered auto; many states broaden this so a no-contact phantom vehicle qualifies when there is corroborating evidence. Reporting to the police is a duty the insured owes, not the test of what the vehicle is. A vehicle with low but real limits is an underinsured motorist question.
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