Uninsured Motorist

Definition - What does Uninsured Motorist mean?

An uninsured motorist is an individual who does not have liability coverage for the vehicle that is being driven. In most states, it is a crime to drive a vehicle without liability coverage. Some insurance policies have an uninsured motorist clause that provides for the cost of damages to a vehicle owner when he or she receives an injury from an uninsured motorist. However, that coverage is usually optional and only available to those who choose to pay for a full coverage auto insurance policy.

Justipedia explains Uninsured Motorist

Most jurisdictions require drivers to carry liability insurance so that they can pay for any injury that they cause someone else due to negligent actions. The drivers who don’t carry such insurance are known as uninsured motorists. In the context of insurance, the definition for uninsured motorist also includes hit-and-run drivers (i.e. those who flee an accident scene after causing the accident, leaving the injured driver with no way to seek compensation for their injury).

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