Who is covered under Uninsured/Underinsured Motorist coverage?

Uninsured/Underinsured Motorist (UM/UIM) coverage is designed to protect the insured and certain other individuals from damages resulting from accidents involving drivers who do not have sufficient insurance coverage or any insurance at all. The coverage typically extends to individuals who are occupying the insured vehicle at the time of the accident.

This means that if a person is in the named insured’s covered auto, they are typically considered to be included under the UM/UIM protection, allowing them to file a claim for damages sustained as a result of an accident with an uninsured or underinsured driver. This coverage is particularly important because it provides additional security for those who are legally allowed to be in the vehicle, ensuring that they have a means to recover losses if faced with an underinsured or non-insured motorist.

Other options may have limitations that do not align with the typical provisions of UM/UIM coverage. For instance, coverage would not be exclusively limited to just the named insured or extend to all family members regardless of their location unless they are occupying the insured vehicle. Thus, the correct choice focuses on individuals within the scope of the insurance policy who are in the covered vehicle at the time of an accident.