What is the second category of uninsured motor vehicles as listed?

• A. No insurance or liability bond
• B. Insurance is less than what's required by the financial responsibility laws
• C. A hit and run accident where the driver cannot be identified
• D. The insurer denies coverage or becomes insolvent

Answer: (B)

Uninsured motorist protection covers you when the other driver can’t meet their financial responsibility. The second category refers to a vehicle that does have insurance, but the coverage is below the minimum required by financial responsibility laws. In other words, the driver’s liability limits aren’t enough to meet the legal minimum, so for UM purposes that vehicle is treated as uninsured. The other categories are a vehicle with no insurance at all, a hit-and-run vehicle, and a situation where the insurer denies coverage or becomes insolvent.