Question

Paul was driving his kids to a piano lesson in a 2005 minivan. While driving, he was hit by an uninsured motorist. Although Paul and his kids had only minor injuries, their vehicle was totaled. Based on this information, which of the following is correct?

a) Paul's insurance will cover the damages since he wasn't at fault.
b) Paul will have to pay for all damages out of pocket.
c) Paul can file a claim with the uninsured motorist coverage in his policy.
d) Paul's insurance won't cover the damages since it's an old vehicle.

Answer 1

Paul can file a claim with the uninsured motorist coverage in his policy.

Step-by-step explanation:

Based on the given information, the correct option is c) Paul can file a claim with the uninsured motorist coverage in his policy. When Paul was hit by an uninsured motorist, his own uninsured motorist coverage in his policy will typically cover the damages to his vehicle. This coverage is designed to protect insured individuals in cases where the at-fault driver does not have insurance or if they are unable to be identified.