Which of the following would be covered under the uninsured motorists section of a personal auto policy?

• A. A hit-and-run driver who cannot be identified
• B. A collision with a known uninsured driver
• C. Damage from a hailstorm
• D. A driver with liability coverage that meets minimum

Answer: (A)

Uninsured motorist coverage protects you when the other driver lacks insurance or can’t be identified after the crash. A hit-and-run where the driver can’t be identified fits this scenario perfectly because there’s no way to pursue the other party for damages through their liability insurance, so you rely on your own policy’s uninsured motorist coverage for your injuries. The other options don’t fit this specific protection: hail damage comes from a weather event and is handled by comprehensive coverage, not uninsured motorist; a driver with minimum liability isn’t uninsured, so UM wouldn’t apply; and a collision with an uninsured driver could involve UM for injuries but the situation described emphasizes the identity/insurance status issue that UM is designed to cover, which is most clearly illustrated by a hit-and-run.