Which situation would qualify for Uninsured Motorist (UM) coverage?

Uninsured Motorist (UM) coverage is specifically designed to protect drivers who suffer damages from accidents involving uninsured drivers, or in certain situations where the at-fault driver cannot be identified, such as hit-and-run incidents.

In a hit-and-run accident, the responsible party flees the scene, leaving the injured party without recourse to claim against that driver’s insurance. This is where UM coverage comes into play, as it allows the injured party to recover damages from their own policy, despite the fact that another driver cannot be identified or located. This is essential for providing financial protection to insured drivers in situations where they might otherwise be left to absorb the costs of their injuries or damages.

The other scenarios presented do not qualify for UM coverage. For instance, being hit by an insured driver would mean that the responsible party already has insurance to cover the damages, so UM coverage is not relevant in that case. Similarly, damages caused by a natural disaster fall under different types of insurance, such as comprehensive coverage, and not UM. Lastly, being struck while parked typically involves the other driver being identifiable and, if insured, the claim would be against their liability coverage, again negating the need for UM coverage.