Question

UM (Uninsured Motorist) coverage under the PAP (Personal Auto Policy) pays for:

1• damage to the insured's car caused by hit and run driver
2• bodily injury to the insured caused by hit and run driver
3• injury to a pedestrian caused by the insured
4• none of the above

Answer 1

UM coverage under the PAP compensates the insured for bodily injuries caused by an uninsured motorist, such as in a hit-and-run situation. It does not cover vehicle damage or injuries caused by the insured to others.

Step-by-step explanation:

UM (Uninsured Motorist) coverage under the Personal Auto Policy (PAP) is designed to protect the insured in the event they are involved in an accident with a motorist who is not insured or is underinsured. Specifically, it provides coverage for medical expenses, pain, suffering, and lost wages that are incurred due to an accident caused by an uninsured motorist. In the context of the options provided, UM coverage pays for bodily injury to the insured caused by a hit-and-run driver. This includes the policyholder's medical bills and related expenses. It does not pay for damage to the insured's car, injury to a pedestrian caused by the insured, or any of the scenarios that are unrelated to the insured's bodily injury.