Uninsured/Underinsured Motorists Coverage indemnifies the insured for bodily injury as a result of an accident in all of the following cases EXCEPT

• A. An accident in which the insured is at fault
• B. An accident involving a hit-and-run driver
• C. An accident caused by an uninsured driver
• D. An accident with an unidentified motorist

Answer: (A)

Uninsured/Underinsured Motorists Coverage is first‑party protection that pays your bodily injuries when the person who caused the crash can’t pay. It applies when the other driver has no insurance, when their limits are too low to cover your damages (underinsured), when the driver is unidentified (hit‑and‑run), or when the driver cannot be identified (unidentified motorist).

The accident where you are at fault is the exception because UM is not intended to cover injuries you suffer in a crash you caused. If you were at fault and there is a financially responsible driver with insurance, that driver’s liability coverage would handle the other party’s injuries, and UM would not apply to your own injuries.