Question

An uninsured motor vehicle under the Personal Auto Policy (PAP) can mean a land motor vehicle or trailer of any type that meets which one of the following criteria?

A. It is a hit-and-run vehicle whose operator can be identified and it hits the named insured's covered auto.
B. A bodily injury liability policy applies to it at the time of an accident with an insurance company that is solvent.
C. Bodily injury liability limit is less than the financial responsibility law.
D. Bodily injury insurance or bond applies to the vehicle at the time of an accident.

Answer 1

An uninsured motor vehicle under the Personal Auto Policy implies a vehicle whose bodily injury liability limit is below the minimum required by financial responsibility law, offering insufficient coverage.

Step-by-step explanation:

An uninsured motor vehicle under the Personal Auto Policy (PAP) typically is recognized as a land motor vehicle or trailer that does not have the required amount of insurance as stipulated by law. In the context provided by the question, an uninsured motor vehicle can mean a vehicle that meets the criteria of having a bodily injury liability limit that is less than what is required by the financial responsibility law. This implies that despite the vehicle having some level of insurance, the coverage doesn’t meet the minimum legal requirements, potentially leaving other parties unprotected or undercompensated in the event of an accident.