Question

Which of the following is NOT an uninsured motorist?

1) a hit and run driver who cannot be identified
2) a car insured by a bonding company or insurance company, the company being insolvent
3) a vehicle self-insured by a government agency
4) a vehicle that is not covered by an insurance policy

Answer 1

The individual not considered uninsured among the choices is a vehicle self-insured by a government agency, as self-insurance involves reserving funds to cover claims. The correct option is 3) a vehicle self-insured by a government agency

Step-by-step explanation:

The individual who is NOT considered an uninsured motorist among the options provided is option 3) a vehicle self-insured by a government agency. Being self-insured means that the entity, in this case, a government agency, has set aside funds to cover any insurance claims rather than purchasing a policy from an insurance provider. This is fundamentally different from having no insurance.

In contrast, options 1), 2), and 4) represent scenarios where an insurance policy is either lacking, cannot be enforced due to the insurer's insolvency, or is non-existent, effectively making motorists uninsured in those circumstances. The correct option is 3) a vehicle self-insured by a government agency