You are in an automobile accident with an uninsured motorist, and the accident is your fault. Your Uninsured Motorist limits are 10/20 and your medical bills are $22,000.You collect from your UM coverage:
A) $0
B) $10,000
C) $20,000
D) $22,000

Question

Quizplus · Accepted Answer

Uninsured Motorist (UM) coverage is designed to pay for your damages when the other driver is at fault and does not have insurance. Since the accident is your fault, UM coverage does not apply. Therefore, you cannot collect from your UM coverage for your own medical bills in this scenario.

You Are in an Automobile Accident with an Uninsured Motorist