Louisiana P&C Adjuster Practice Exam

Which of the following would be considered an uninsured motorist?

1. A driver with a suspended license

2. A driver with minimum liability coverage

3. A driver with no insurance at all

4. A driver who refuses to provide insurance information

The correct answer is: A driver with no insurance at all

Selecting a driver with no insurance at all as the definition of an uninsured motorist is correct because the term "uninsured motorist" typically refers to a person who is operating a vehicle without any form of liability insurance coverage. This means that in the event of an accident, this driver would not have the financial means to cover damages or injuries resulting from their actions. In many jurisdictions, uninsured motorist coverage protects insured individuals when they are involved in a vehicular accident with a driver who lacks insurance, ensuring that the insured party can still receive compensation for their losses. In contrast, a driver with a suspended license may have insurance coverage that is rendered void due to their legal status, but their situation does not fit the definition of uninsured because they may still have had insurance prior to the suspension. A driver with minimum liability coverage does possess some insurance, thus does not fall under "uninsured." Similarly, a driver who refuses to provide insurance information may still have insurance, but without further verification, they cannot be classified as uninsured either.