What Is Covered Under Uninsured Motorists

Chicago Auto Insurance

An important part of the auto policy is called Uninsured Motorists. In Illinois, and most other states, the coverage is part of the state's mandatory insurance. In the standard ISO's personal auto policy, or the PAP, part C of the policy provides uninsured motorists coverage. Underinsured Motorists coverage is not mandatory, but is offered in many states.

According to  Part C of, the Personal Auto Policy (PAP) the insurance company agrees to pay compensatory damages that an insured becomes legally entitled to recover from crashes caused by the titleholder or driver of an uninsured auto because of bodily injury. Note that compensation for property damages caused by Uninsured Motorists is not automatically included in most states.
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Uninsured Motorists coverage applies to certain auto insurance claims related to medical expenses, lost earnings, as well as pain & suffering. Uninsured Motorists does not include any coverage for punitive or exemplary damages.

Uninsured Motorists Coverage Limits

Uninsured Motorists coverage limits is subject to state requirements. There usually is a minimum limit of coverage that has be obtained in accordance with financial responsibility laws of the pertinent state. The applicant can purchase more than the minimum. If the auto liability limits (Part A) is higher than the Uninsured Motorists limits (Part C), then a client signature is required to reject the higher Uninsured Motorists limits.

The insurance company is not  legally  obligated to pay an uninsured motorists claim unless the titleholder or driver of the uninsured auto is determined to be legally responsible for the ’s damages incurred to the insured person.

In Illinois the minimum bodily injury limits is $20,000 bodily injury per person, $40,000 bodily injuries per accident.

Making A Claim Under Uninsured Motorists

The insured person should file a claim against his/ her own insurance company and, in the ideal situation, the insured and the insurance company will reach a reasonable settlement, subject to coverage limits and terms and conditions of the policy.

Expanded Definition of Uninsured Autos

Part C of the standard auto policy expands its definition an uninsured vehicle as that the one without insurance. Uninsured Autos also include:
  • An auto with no insurance coverage
  • An auto with liability insurance limits that are lower than the applicable mandatory state law
  • An auto that is operated  by a hit-and-run operator
  • An auto whose insurer denies coverage
  • An auto whose insurer becomes insolvent

Exclusions Applying to Uninsured Motorists

Part C, however, specifically excludes certain vehicles from the definition of an uninsured vehicle. These are vehicles that are
  1. owned by or furnished for the regular use of any family member
  2. owned or operated by a self-insurer under an applicable motor vehicle law unless the self-insurer is or becomes insolvent
  3. owned by any government agency unit
  4. operated on rails or crawler treads
  5. designed mainly for use off public roads
  6. located for use as a residence or premises

The standard personal auto policy of the ISO (PAP) excludes uninsured motorists coverage if an insured person is injured while occupying or struck by an auto that is owned by the insured.
Other  exclusions may include covered auto while used without permission  of owner, or as a public or livery conveyance.

It should be remembered that the above is a discussion for th Standard ISO policy called PAP. Many companies adopted their own version hence offering more or less coverage. One should read a policy to answer specific questions about particular scenarios.
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