Auto Insurance Practice Exam 2025 – Complete Prep Resource

Question: 1 / 400

Who is NOT covered by Beverly's uninsured motorists coverage?

Her resident husband, who is struck while a pedestrian by an auto driven by an uninsured motorist

Her aunt, who lives with Beverly and is injured when Beverly's car is struck by a car driven by an uninsured motorist

Her resident husband, who is injured while a passenger in a neighbor's uninsured car

Beverly, who rear-ends an uninsured motorist

Beverly's uninsured motorists coverage is designed to protect her and specific individuals in the event of an accident involving an uninsured driver. This coverage typically provides compensation to insured individuals who suffer injuries due to the negligence of an uninsured motorist. However, it does not cover scenarios where the insured is at fault in an accident, which is the case with Beverly rear-ending an uninsured motorist.

In this scenario, as Beverly rear-ends another vehicle, she is considered the at-fault party, and thus, her own uninsured motorist coverage would not apply to her injuries or damages. The purpose of this coverage is precisely to shield against the financial implications of being struck by an uninsured driver, not to cover instances where the insured is the one causing an accident. Therefore, Beverly herself is not covered under her own uninsured motorists policy in this situation, making this choice the correct response.

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