Under the Personal Auto policy, Uninsured Motorists coverage provides coverage for bodily injury for which the insured is legally entitled to recover that results from an accident with

An uninsured driver is someone who does not have any insurance coverage at all. Under the Personal Auto policy, Uninsured Motorists coverage applies directly to bodily injury claims resulting from accidents with these drivers, making this choice partially correct but not comprehensive.

A hit-and-run driver is one who leaves the scene of an accident without providing their insurance information. Uninsured Motorists coverage does cover injuries sustained in such situations, as the responsible party cannot be identified and thus cannot provide compensation. However, like choice A, this option does not encompass all scenarios covered by the policy.

If a driver’s insurance company becomes insolvent, the insured may find themselves unable to recover damages due to the lack of available insurance funds. Uninsured Motorists coverage addresses this situation, allowing the insured to claim for bodily injuries sustained in an accident with such a driver. While this option is correct, it still does not capture the entirety of what the coverage includes.