Florida 20-44 Personal Lines Agent License Exam Practice 2025 – Complete Guide

Uninsured Motorist (UM) coverage under the Personal Auto Policy (PAP) is specifically designed to protect insured individuals from bodily injury caused by uninsured or underinsured drivers, including those who flee the scene of an accident (hit-and-run drivers). This coverage is essential in situations where the at-fault party does not have insurance, or their insurance is insufficient to cover the damages resulting from an accident.

When a driver experiences bodily injury from a hit-and-run, they cannot pursue the at-fault party for compensation because the driver is not identifiable. UM coverage steps in to provide the financial support needed to cover medical expenses, lost wages, and other damages related to that injury. Thus, the primary purpose of UM coverage aligns perfectly with incidents where a hit-and-run driver is involved.

The other options referenced do not fully align with the core purpose of UM coverage. For instance, property damage claims would typically be addressed under Uninsured Motorist Property Damage (UMPD) coverage or collision coverage, while bodily injury caused by passengers is generally covered under the liability or medical payments provisions. Similarly, injuries to pedestrians may involve different liability considerations that fall outside the scope of UM coverage.