Which of the following situations may result in UM/UIM coverage applying? A) Plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle invol... Which of the following situations may result in UM/UIM coverage applying? A) Plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident. B) Client has UM/UIM on another vehicle owned by them and was at fault for the accident. C) Vehicle not owned by client. D) Plaintiff is listed as a beneficiary on a policy with UM/UIM coverage and was at fault for the accident.
Understand the Problem
The question is asking which specific situations could lead to the application of Underinsured Motorist (UM) or Uninsured Motorist (UIM) coverage in insurance scenarios. It presents multiple options, and we're expected to identify the relevant ones based on insurance principles.
Answer
Plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident.
The situation where UM/UIM coverage may apply is when the plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident.
Answer for screen readers
The situation where UM/UIM coverage may apply is when the plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident.
More Information
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage typically apply when the insured is involved in an accident caused by another driver who doesn't have insurance or doesn't have enough insurance to cover the damages. A passenger related to a policyholder is typically covered.
Tips
A common mistake is not considering the household status and relationship to the policyholder when determining coverage applicability.
Sources
- UM/UIM: What Is Uninsured Motorist Coverage? | Progressive - progressive.com
- Uninsured and Underinsured Motorist Coverage - Allstate - allstate.com
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