Which of the following losses could be paid under Uninsured Motorists coverage?
1. Tabb, the insured, drives the wrong way down a one-way street and collides with another car. Tabb is seriously injured. The driver of the other car has no Liability insurance.
2. Barb, the insured, is HIT by a drunk driver who is uninsured. She is not injured, but her car is totaled.
3. Leslie, the insured, is injured when she is struck by a car that runs a red light. The driver has no Liability insurance.
4. Bernard, the insured, is on his way to work when his vehicle is rear-ended by a car that was following too closely. Bernard suffers a back injury. The driver of the other car carries the minimum amount of insurance required in the state.
I would like to ask that this question be reviewed. Uninsured motorist coverage also includes property damage coverage which is subject to a $100 deductible in most cases. The law does not state that if there's no bodily injury due to being struck by an Uninsured motorist that you can not recover for property damage.
Leslie, the insured, is injured when she is struck by a car that runs a red light. The driver has no Liability insurance.
C is correct. Choice A is not correct because the uninsured driver was not liable for the accident. Choice B is not correct because the loss does not involve bodily injury. Choice D is not correct because the driver who caused the accident is not an uninsured motorist.
More Property And Casualty Insurance License Questions