UM/UIM Coverage Explanation
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Questions and Answers

In which scenario does UM/UIM coverage apply?

  • Scenario 2
  • Scenario 3 (correct)
  • UM/UIM coverage does not apply in any scenario
  • Scenario 1

    • When does UM/UIM coverage not apply?

  • UM/UIM coverage always applies in all situations (correct)
  • When the plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident
  • When the plaintiff is listed as a beneficiary on a policy with UM/UIM
  • When the client has UM/UIM on another vehicle owned by them

    • If the client does not have insurance but lives with someone who has UM/UIM, when does UM/UIM coverage apply?

  • UM/UIM coverage never applies if the client does not have insurance
  • UM/UIM coverage applies only if the vehicle has UM/UIM
  • When the client is the driver
  • When the client is a passenger (correct)

    • If the client owns the vehicle and has UM/UIM, when does UM/UIM coverage apply?

    <p>UM/UIM coverage applies in all situations for the client</p> Signup and view all the answers

    If the client does not own the vehicle but has UM/UIM on another policy, when does UM/UIM coverage apply?

    <p>When the client is a passenger</p> Signup and view all the answers

    If the vehicle has UM/UIM and the client also has UM/UIM, when will the client's UM/UIM apply?

    <p>Only if the client's UM coverage is superior to that of the vehicle</p> Signup and view all the answers

    Under what conditions can UM/UIM coverage potentially apply?

    <p>When both plaintiff and vehicle have UM/UIM coverage</p> Signup and view all the answers

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