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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
Giải thích
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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Câu hỏi liên quan cùng chủ đề
- A resident teenager takes the family's listed sedan without asking a parent first and causes an accident. Part A liability coverage:
- Part B medical payments coverage on a personal auto policy applies to a neighbor who is:
- A policy shows $10,000 of medical payments per person. In one crash the insured driver incurs $12,500 of medical bills and a passenger incurs $4,000. Part B pays:
- An insured injured by an uninsured driver signs a release with that driver for $3,000 without telling her own insurer. Her uninsured motorists claim:
- An insured's damages are valued at $90,000. The at-fault driver's insurer pays its $25,000 limit. The insured carries $100,000 of underinsured motorists coverage. Part C adds:
- A driver rounds a bend and drives into a large branch already lying across the road, causing $2,600 of damage. The policy carries a $1,000 collision and a $250 other-than-collision deductible. The insurer pays:
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