Question

Which is an uninsured motorist?

1) hit and run driver
2) car insured by an insolvent company
3) a driver with no insurance or bond
4) all of the above

Answer 1

An uninsured motorist refers to a driver who does not have insurance or bond. This includes hit and run drivers, cars insured by insolvent companies, and drivers with no insurance or bond.

Step-by-step explanation:

An uninsured motorist refers to a driver who does not have insurance or bond. This means that if they cause an accident or damage to someone's property, they will not have insurance coverage to pay for the damages. An uninsured motorist can include:

1. A hit and run driver: This is a driver who causes an accident and flees the scene without stopping to provide their information or help the injured party.
2. A car insured by an insolvent company: If the driver's insurance company becomes insolvent and unable to pay claims, then the driver is considered uninsured.
3. A driver with no insurance or bond: This refers to a driver who does not have any form of insurance coverage, putting them at risk of being classified as uninsured.

Therefore, the correct option is 4) all of the above because all three scenarios involve uninsured motorists.