QQuestionOther Subjects
QuestionOther Subjects
Which of the following would NOT be covered by uninsured motorist coverage?
A. The insured's car is hit by someone whose auto insurer is insolvent.
B. The insured's family member is struck by a hit-and-run driver.
C. The insured causes a head-on collision with the car of an uninsured motorist.
D. The insured's neighbor borrowed the insured's car and was hit by an uninsured motorist.
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Answer
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Step 1:Let's solve this step by step:
Step 2:: Understand Uninsured Motorist Coverage
Uninsured motorist coverage typically protects the insured and their family members when they are involved in an accident with a driver who: - Has no auto insurance - Has insufficient insurance to cover damages - Cannot be identified (in hit-and-run scenarios)
Step 3:: Analyze Option A
- An insolvent auto insurer means the insurance company cannot pay claims - This scenario IS typically covered by uninsured motorist coverage - VALID coverage
Step 4:: Analyze Option B
- A family member struck by a hit-and-run driver - Hit-and-run accidents are standard scenarios for uninsured motorist coverage - VALID coverage
Step 5:: Analyze Option C
- The INSURED causes the collision - Uninsured motorist coverage protects against damages FROM other drivers - If the INSURED causes the accident, their own liability coverage would apply - NOT covered by uninsured motorist coverage
Step 6:: Analyze Option D
- The neighbor borrowed the insured's car - Most policies extend coverage to permissive users of the vehicle - If hit by an uninsured motorist, this would typically be COVERED
Final Answer
C is the scenario that would NOT be covered by uninsured motorist coverage, because the insured caused the collision, not another driver.
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