Part C - Uninsured Motorist Coverage

Question 1

Provides insurance to insured persons in accidents that are caused by another party

Answer 1

Uninsured motorists coverage (UM)

Question 2

In or for a UM to apply the other party must ____

Answer 2

Be legally responsible for injury caused by an uninsured vehicle

Question 3

A UM only applies to bodily injury unless the policy specifically states that ____ is also provided

Answer 3

Uninsured Motorists Physical Damage

Question 4

The definition of “insured” for UM is:

1. ____
2. ____
3. ____

Answer 4

1. The insured or any family member
2. Any person occupying a “your covered auto”
3. Any person whose entitled to recover damages due to injury sustained by an insured

Question 5

The definition for “uninsured vehicle” is:

1. ____
2. ____
3. ____
4. ____

Answer 5

1. Doesn’t have insurance
2. Has insurance but insurer denies claim
3. Has insurance, but injury liability limits are less than what’s required
4. Hit & run vehicle

Question 6

If a loss occurred while the insured is occupying a non-owned vehicle, the policy covering the non-owned vehicle is ____, & the insured’s coverage is ____

Answer 6

Primary

Excess

Question 7

If the insurer & the insured don’t agree on recovery damages, each party may select a(n) ____

Answer 7

Arbitrator

Question 8

Protects insured against drivers who have auto liability insurance with coverage limits that are inadequate/insufficient to respond to claims

Answer 8

UNDERinsured Motorists Coverage